Chase Freedom Unlimited® vs Citi Custom Cash® Card

Chase Freedom Unlimited®Chase Freedom Unlimited®

Chase

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Citi Custom Cash® CardCiti Custom Cash® Card

Citi

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
Cash Back
Point Value
2.00¢/pt
1.00¢/pt
Base Earn Rate
1.5x
1x
Welcome Bonus
25,000 Chase Ultimate Rewards after $500 in 90 days
$200 after $1,500 in 180 days

Effective return by category

CategoryChase Freedom Unlimited®Citi Custom Cash® Card
Dining & Restaurants6.00%
3x
5.00%
5x · $500 cap
Drugstores & Pharmacies6.00%
3x
5.00%
5x · $500 cap
Gas Stations3.00%
1.5x
5.00%
5x · $500 cap
Groceries3.00%
1.5x
5.00%
5x · $500 cap
Select Streaming3.00%
1.5x
5.00%
5x · $500 cap
Home Improvement3.00%
1.5x
5.00%
5x · $500 cap
Gym & Fitness3.00%
1.5x
5.00%
5x · $500 cap
Everything else3.00%
1.5x
1.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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