Credit Cards » Compare Credit Cards » Citi Double Cash Card vs Chase Freedom Unlimited
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Citi Double Cash Card vs Chase Freedom Unlimited

The flat rate cash back on Citi Double Cash Card is higher - but usually, it may not be the best option. Here's The Smart Investor analysis.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table of Content

The Chase Freedom Unlimited® and Citi® Double Cash cards are both designed for everyday use. Unlike many credit cards that may offer great rewards for travelers, these cards are designed to offer decent rewards on everyday items such as groceries and purchases with no categories.

However, there are some differences between the cards, so here we’ll examine both options in more detail to help you determine the best choice for you.

General Comparison

citi double cash

chase freedom unlimited card

Citi® Double Cash Card
Chase Freedom Unlimited®
Annual Fee
$0
$0
Rewards
2% cash back rewards rate – 1% every time you swipe and another 1% upon payment.
Earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases.
Welcome bonus
$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
0% Intro APR
18 months on balance transfers, then 19.24% – 29.24% (Variable) APR
15 months on purchases and balance transfers , then 20.24%–28.99% variable APR
Foreign Transaction Fee
3%
3%
Purchase APR
19.24% – 29.24% (Variable)
20.24%–28.99% variable
Read Review
Read Review

Simulation: Which Card Gives More Rewards?

While we’ve looked at various card features, in order to understand the real benefits of the cards, a direct scenario comparison can be very helpful. Since both cards are designed for everyday spending, we will take a typical monthly spending list to see what rewards you could earn if you have a similar spending pattern.

While both cards included on our best no annual fee cards list, keep in mind to adjust the numbers to your regular spending categories, which may be different – so the exact calculation depends on your personal habits.

citi double cash

chase freedom unlimited card

Spend Per Category
Citi® Double Cash Card
Chase Freedom Unlimited
$15,000 – U.S Supermarkets
$300
$225
$3,000 – Restaurants
$60
$90
$1,500 – Airline
$30
$75
$1,500 – Hotels
$30
$75
$4,000 – Gas
$80
$60
Estimated Annual Value
$500
$665

* The Citi Double Cash calculated according to 2% cash back - please keep in mind you'll get the additional 1% upon payment.

As you can see, the Chase Freedom Unlimited card offers far more cash back rewards. However, two of these categories relate to short term offers. So, after one year, the total cash back for the above list would be down to a far more comparable level.

Redeeming points with Chase Freedom Unlimited
Redeeming points with Chase Freedom Unlimited (Screenshot from Chase app)

Compare Welcome Bonus And Fees

This is the first area of comparison and it highlights a crucial difference. While the Chase Freedom Unlimited card offers Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening..

While considered one of the best Citi credit cards, the Citi Double Cash card doesn't offer a sign-up bonus. There is an introductory offer, where you can enjoy 0% APR for 18 months on balance transfers. However, there is no promotional cash back offer for new cardholders.

Both of the card issuers have a foreign transaction fee and both companies have a balance transfer fee of $5 or 5%. However, while Chase offers an introductory rate of $5 or 3% for the first 60 days, Citi offers the same reduction rate for the first four months.

Compare The Perks

Citi® Double Cash Card

citi double cash

  • Special Ticket Access: Citi Entertainment provides special access to purchase tickets including exclusive experiences and presale tickets. This includes concerts, dining experiences and sporting events.
  • Lost Wallet Service: If you lose your card, Citi will not only replace it within 24 hours but provide you with emergency cash.
  •  Protections – Chase offers protections such as 24 Hour fraud protection and $0 liability on unauthorized charges. If you suffer from an identity theft attack, the Citi team can help you to resolve the matter.
  • No Caps and No Category Restrictions – Citi® Double Cash has no restricting categories to keep track of or to enroll in. There are also no caps on the amount of cash back you earn.
Chase Freedom Unlimited

chase freedom unlimited card

  • Up to $500 cashback per year for referring friends. You’ll get $100 for each friend with a participating Freedom credit card.
  • Free credit score with Chase Credit Journey – Credit Journey provides personalized insights to help you build, monitor, and protect your credit score.
Using Chase Credit journey
Using Chase Credit journey (Screenshot from Chase app)
  • Instacart+ Perk: Enjoy a complimentary 3-month Instacart+ membership with the Freedom Unlimited card, granting you unlimited deliveries sans delivery fees and reduced service fees on eligible orders.
  • 5% Cash Back/5x Points on Lyft Rides: Elevate your Lyft experiences until March 31, 2025, with the card's enhanced rewards, providing 5% cash back or 5x points on your rides.
  • Purchase Protection: Avail yourself of purchase protection with this card, safeguarding your new acquisitions for 120 days against theft or damage, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Both cards extend the original U.S. manufacturer's warranty by an extra year for eligible warranties lasting three years or less.
  • My Chase Plan: Capitalize on the My Chase Plan option, enabling you to effortlessly settle eligible purchases of $100 or more through equal monthly payments, devoid of interest and accompanied by a fixed monthly fee.
my chase plan
Using My Chase Plan With the Unlimited card (Screenshot from Chase app)

Compare Redemption Options

Chase offers several ways to redeem your rewards. These include:

  • Statement credit or a direct deposit: There is no minimum to redeem your rewards as a statement credit and direct deposits are acceptable for most U.S checking and savings accounts.
  • Amazon shopping: You can also use your rewards to pay for all or part of eligible Amazon.com orders when you link your card to your Amazon account.
  • Travel rewards. You can use the Chase Ultimate Rewards platform to access competitive rates for travel products including hotel stays and flights.
  • Gift cards: Chase has a variety of gift card options including for dining, entertainment and shopping.
Chase Freedom Unlimited: redeem points for a gift card
Chase Freedom Unlimited: redeem points for a gift card (Screenshot from Chase app)

Citi also has a number of reward redemption options that include:

  • Checks: You can request a check. You can also take a credit towards your Citi savings or checking account.
  • Convert to ThankYou Points: If you have a minimum rewards balance of $1, you can convert your rewards to Citi ThankYou points.
  • Statement Credit: You can redeem your rewards for statement credit.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

How to Maximize Cards Benefits?

If you want to make the best use of your Citi Double Cash , there are some tips to help you:

  • Organize your balance transfers within the first six months: This will allow you to take advantage of the reduced balance transfer fee.
  • Pay your bills on time: To earn your cash back you need to pay at least the minimum due on time, so don’t miss any payments. If you struggle to manage bills, set up an automatic payment with your checking account.
  • Check Citi Entertainment: If you enjoy concerts, sporting events, and other ticketed events, be sure to check Citi Entertainment first, as you could get exclusive experience and presale tickets

If you want to make the best use of your Chase Freedom Unlimited , there are some tips to help you:

  • Budgeting: This credit card allows you to easily plan in advance as the cashback rates stay the same. Therefore, you can plan your purchases and figure out how much cashback you will receive when doing so.
  • Introduce family and friends to Chase. You can earn $100 for each referral who gets a participating Chase credit card.
  • Leverage 0% Intro APR – in case you plan a big purchase, need to payoff debt or getting a credit for anything – the long 0% intro APR can help you to save money on interest.
  • Strategic Online Shopping: Capitalize on the card's rewards by using it for online purchases, especially during promotional periods.
Chase Freedom Unlimited Deals and offers
Chase Freedom Unlimited Deals and offers (Screenshot from Chase app)

Customer Reviews: Which Card Wins?

Satisfied cardholders report that this card has excellent support in the event of unauthorized charges. Citi has a dedicated Identity Theft Solutions center that can help you in the event that you suffer from any fraud. You can freeze or lock your card easily and get quick help from experts.

Negative reviews mainly come from people who are looking for rotating categories –  the average cash back rate is quite low compared to other cards. 

citi double cash

Satisfied cardholders report the Chase Freedom Unlimited offers some great rewards for everyday spending. This means that you can maximize your rewards without needing to drastically change your spending habits. Cardholders also appreciate the 0% introductory rate for 15 months on purchases and balance transfers (then 20.24%–28.99% variable).

Negative reviews report frustration at the lack of fee free balance transfers. While the card is set up to allow you to access a 0% rate on purchases and balance transfers, there are no fee free balance transfers. Also, there are some comments about the temporary nature of some of the card benefits.

chase freedom unlimited card

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Want the Citi® Double Cash?

The Citi Double Cash is a great option that could be good if:

  • You don’t like messing with spending categories and reward tiers, since you’ll earn 2% cash back on all your purchases with no caps or categories – 1% at the time of purchase and 1% when you pay for those purchases.
  • You want to pay down a credit card balance. You’ll enjoy 0% APR for 18 months on balance transfers, then 19.24% – 29.24% (Variable).
  • You like the reassurance of fraud prevention support: Positive reviews praise the support team if you notice an unauthorized charge on your account.

When You Might Want the Chase Freedom Unlimited?

The Chase Freedom Unlimited Card is a solid choice if:

  • You will spend $1,000 per month in groceries during your first year to maximize your cash back.
  • You enjoy dining out, as you’ll get higher cashback on your purchases
  • High Spender: If you have are a family or you exceed the rotating categories limit, you may prefer the Freedom Unlimited Card

Bottom Line

Both cards offer some great rewards for your everyday spending, particularly as neither card charges an annual fee.

However, there are some differences between the two cards that will help you to determine which one is the best option for you.

Compare The Alternatives

Both of these cards offer some excellent rewards for frequent travelers, particularly if you redeem your rewards on travel products. However, the differences between these two cards will determine which is the better choice for you. Another relevant comparison you may want to explore is the Double Cash vs Chase Freedom Flex.

Lastly, there are some alternatives that you may want to take a look before applying.

Chase Freedom Flex

capital-one-venture

American express everyday card review 2021

Chase Freedom Flex℠ Card
Capital One Venture Rewards Credit Card
American Express EveryDay® Card
Annual Fee
$0
$95
$0
Rewards
1-5% 5% cash back on up to $1,500 in combined purchases on selected categories each quarter and 5% cash back on travel purchased through Chase Ultimate Rewards®. Also, you can earn 3% cash back on dining at restaurants (including takeout and eligible delivery services), drugstore purchases , and 1% on all other purchases
2X – 5X 2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
1X – 2X 2X points at U.S. supermarkets (up to $6,000 per year, then 1X), 2X points on prepaid rental cars booked through American Express Travel and 1X points on all other purchases
Welcome bonus
$200 $200 bonus after you spend $500 on purchases in the first 3 months from account opening
75,000 miles 75,000 miles once they spend $4,000 on purchases within 3 months from account opening
10,000 points 10,000 points after you spend $1,000 in purchases on your new card within the first 3 months
Foreign Transaction Fee
3%
$0
2.7%
Purchase APR
20.49%–29.24% variable
19.99% – 29.99% (Variable)
18.24% – 28.24% Variable

FAQ

 To maximize rewards, you should make the most of the signup bonus and also be aware of which of your credit cards have the best cashback for a particular type of purchase. You go to the Ultimate Rewards section that Chase offers and you can choose between the options as to how you utilize the rewards.

You might not have met one of the requirements for this card. You can talk with a member of the customer support team to see what the issue is and how you might be able to rectify it.

With Citi Double cash, you'll get unlimited 2% cash back rewards rate – 1% every time you swipe and another 1% upon payment..

Yes, pre-approval is a possibility. This means that you are able to find out if you can realistically qualify for this card and not impact your credit score to do so.

Compare Chase Freedom Unlimited

While both cards offer great cash back rewards and considered among the best Chase cards, there are some major differences. Which is better?

Chase Freedom Flex vs Chase Freedom Unlimited: Which Card Is Best?

While both cards offer decent cash back rewards with no annual fee, there is a clear winner between the two. And here's why we think so.

American Express Everyday® Card vs Chase Freedom Unlimited®: Which Card Wins?

While both cards offer great cash back rewards and considered among the best Chase cards, there are some major differences. Which is better?

Chase Freedom Flex vs Chase Freedom Unlimited: Which Card Is Best?

The Chase Sapphire Preferred offers costs more and offer more benefits than the Freedom Unlimited. Is it worth the annual fee?

Chase Freedom Unlimited Vs. Sapphire Preferred: Compare Side By Side

The Freedom Unlimited beckons with its cash-back rewards, but the Amex Gold exudes luxury, boasting robust rewards on dining and groceries.

Chase Freedom Unlimited vs. Amex Gold Card: Which Card Wins?

The Amex Blue Cash Everyday is the winner if you need gas and grocery purchases, while the Freedom Unlimited offers better travel rewards

Amex Blue Cash Everyday vs. Chase Freedom Unlimited: Which Card Wins?

When it comes to cashback potential, the Chase Freedom Unlimited wins, especially for those who frequently engage in travel-related expenses.

Chase Freedom Unlimited vs. Citi Custom Cash Card: Which Card Wins?

The Savor card is ideal for dining out and entertainment, while the Freedom Unlimited is best for travelers and those who need 0% intro APR.

Capital One Savor vs. Chase Freedom Unlimited: Side By Side Comparison

The BofA Customized Cash Rewards is more flexible, but the Chase Unlimited card will drive more rewards and benefits. Here's why.

Bank of America Customized Cash Rewards vs Chase Freedom Unlimited: Which Card Wins?

The Active Cash card offers flat-rate cashback, while the Unlimited card is the winner for travel. Here's a side-by-side comparison

Wells Fargo Active Cash vs. Chase Freedom Unlimited: Which Card Wins?

The Apple Card offers competitive cashback rewards on Apple purchases and services – but if you travel frequently, the Unlimited card wins.

Apple Card vs. Chase Freedom Unlimited: How They Compare?

The Costco Card is a great for Costco shoppers, gas and grocery purchases, while the Freedom Unlimited stands out for its travel benefits.

Costco Anywhere Visa Card vs Chase Freedom Unlimited: Comparison

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Citi Double Cash Card

When comparing rotating categories to flat-rate cash back rewards, need to analyze the categories & calculate – which card gives you more?

Citi Double Cash vs Chase Freedom Flex: Which Is Better?

If you're a high spender, the Citi Double Cash Card can give you more. But what if you're just looking for everyday rewards?

Citi® Double Cash Card vs Citi Custom Cash℠ Card : Which Card Wins?

When both cards offer the same flat rate cashback, we should see beyond it. Which card is better? Here's The Smart Investor full analysis.

Citi Double Cash vs Wells Fargo Active Cash: Which Card Wins?

Review No Annual Fees Credit Cards

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Milestone® Mastercard®

Annual Fee:
$175 the first year; $49 thereafter
APR:
35.90%

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

Milestone® Mastercard®

Annual Fee:
$175 the first year; $49 thereafter
APR:
35.90%
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.