CFU vs Double Cash
1.5x with a points upgrade path vs a flat 2%.
Chase Freedom Unlimited
Chase
- Our rating
- 8.4/10
- Welcome bonus
- 20,000 points
- Bonus value
- ≈$200
- Annual fee
- $0
- Credits, max/yr
- $0
- Foreign txn fee
- 3%
Top earning rates
- 5x Chase Travel purchases
- 3x Dining and drugstores
- 1.5x All other purchases
Citi Double Cash
Citi
- Our rating
- 8.3/10
- Welcome bonus
- 20,000 points
- Bonus value
- ≈$200
- Annual fee
- $0
- Credits, max/yr
- $0
- Foreign txn fee
- 3%
Top earning rates
- 2x Everything (1% buy + 1% pay)
The Compound Verdict
Our ratings give it to the Chase Freedom Unlimited (8.4 vs 8.3). On current welcome offers, the CFU brings the bigger first-year haul at ≈$200.
Read the full reviews for the complete math: CFU review and Double Cash review, or put them side by side in the comparison tool.