Chase Freedom Unlimited vs Citi Double Cash
Chase Freedom Unlimited earns more on dining and drugstores; Citi Double Cash earns more on groceries, gas, travel and 7 more categories.
- Updated October 16, 2026
- 12 categories compared
- No sponsored picks
Which one suits you
-
Pick it if
Most of your spending is on dining and drugstores.
-
Pick it if
Most of your spending is on groceries, gas, travel and 7 more categories.
Neither has an annual fee, so pick on where you spend.
Rates change, so verify them with the issuer before you apply.
Category by category
What each card earns on a $100 purchase, with points at typical values and every bonus cap unused.
| Category | Chase Freedom Unlimited | Citi Double Cash | Earns more |
|---|---|---|---|
| Dining | $4.50 4.5% | $2.80 2.8% | Chase Freedom Unlimited (+$1.70) |
| Groceries | $2.25 2.25% | $2.80 2.8% | Citi Double Cash (+$0.55) |
| Gas | $2.25 2.25% | $2.80 2.8% | Citi Double Cash (+$0.55) |
| Travel | $2.25 2.25% | $2.80 2.8% | Citi Double Cash (+$0.55) |
| Airfare | $2.25 2.25% | $2.80 2.8% | Citi Double Cash (+$0.55) |
| Hotels | $2.25 2.25% | $2.80 2.8% | Citi Double Cash (+$0.55) |
| Transit | $2.25 2.25% | $2.80 2.8% | Citi Double Cash (+$0.55) |
| Streaming | $2.25 2.25% | $2.80 2.8% | Citi Double Cash (+$0.55) |
| Drugstores | $4.50 4.5% | $2.80 2.8% | Chase Freedom Unlimited (+$1.70) |
| Online shopping | $2.25 2.25% | $2.80 2.8% | Citi Double Cash (+$0.55) |
| Wholesale clubs | $2.25 2.25% | $2.80 2.8% | Citi Double Cash (+$0.55) |
| Everything else | $2.25 2.25% | $2.80 2.8% | Citi Double Cash (+$0.55) |
| Annual fee | $0 | $0 |