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| Citi Double Cash | Chase Freedom Unlimited | |
| Sign-up bonus (est.) | $200 (spend $1,500 in 6 months) | Extra 1.5% cash back on everything in year one |
| Annual fee | No fee | No fee |
| Foreign transaction fee | 3% | 3% |
| Suggested score | 670+ | 670+ |
| Reward highlights | 2% on everything (1% + 1%) No annual fee Convertible to ThankYou points | 1.5% on all purchases 3x dining & drugstores Pairs with Sapphire to convert cash into points |
| Who it's for | Best for people who want maximum flat-rate cash back with zero effort. | Best as the everyday 'catch-all' card in a Chase points setup. |
⚠️ Disclaimer: This site is a product concept. All card data, bonuses and figures are illustrative, may be out of date, and are not financial advice. Always verify with the issuer before applying.