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Citi ThankYou factors worth | Million Mile Secrets and techniques

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Citi Double Money versus Chase Freedom


Signing up for bank cards by way of companion hyperlinks earns us a fee. Phrases apply to the provides listed on this web page. Right here’s our full promoting coverage.

Signing up for bank cards by way of companion hyperlinks earns us a fee. Phrases apply to the provides listed on this web page. Right here’s our full promoting coverage.

Should you prefer to preserve your bank card rewards easy and don’t want a high-powered journey bank card, stick to a great cash-back card. Two of the most effective are the Chase Freedom® and the Citi® Double Money Card – and so they don’t have annual charges. Let's examine what you'll get with every card.

Citi Double Money versus Chase Freedom

Unlock the present of money with the Citi Double Money or the Chase Freedom. (Picture by studiovin / Shutterstock.)

Greatest sign-up bonus

The Citi Double Money doesn't presently have an introductory bonus provide. Nonetheless, with the Chase Freedom you earn a $ 150 money bonus after you spend $ 500 throughout the first three months of opening the cardboard.

Winner: Chase Freedom

Greatest incomes charge

The Chase Freedom earns 5% money again on the primary $ 1,500 spent per quarter in a rotating listing of bonus classes, akin to fuel stations, grocery shops and PayPal (activation required). Cardholders additionally earn 5% again on Lyft rides (by way of March 2022) and 1% again on all different purchases.

However, the Citi Double Money earns 2% again: 1% while you purchase and 1% while you pay your invoice. Incomes 2% again on each buy with a no-annual-fee card is difficult to beat. The Chase Freedom card bonus classes can earn you an additional $ 300 per yr if you happen to max them out, however if you happen to put your whole spending on a single card, you’ll come out forward over the course of the yr with the Citi Double Money card ,

Winner: Citi Double Money

Greatest redemption worth

As stand-alone playing cards, each the Chase Freedom and Citi Double Money have the identical redemption worth. In spite of everything, money is money. However you’ll be able to pair these two with different playing cards and switch them into one thing extra.

The factors you earn with the Chase Freedom card could be pooled onto a card that earns transferrable Chase Final Rewards factors, just like the Chase Sapphire Most well-liked Card, the Chase Sapphire Reserve or the Ink Enterprise Most well-liked Credit score Card. At that time, as an alternative of every level being price one cent in money again, you’ll be able to redeem them for 1.25-1.5 cents every for journey booked by way of the Chase journey portal. Or you’ll be able to switch those self same factors to companion airways or inns and get even larger worth per level.

The Citi Double Money has an analogous capacity if you happen to even have both the Citi Premier℠ Card or Citi Status® Card. You’ll have the ability to convert one greenback of money again into 100 Citi ThankYou factors after which you’ll be able to switch these factors to Citi journey companions.

On the whole, the Chase switch companions are far more helpful than a lot of the journey companions you’ll have entry to with Citi ThankYou factors. So if you happen to're going to get a number of playing cards with one financial institution, Chase bank cards are probably the most priceless for most individuals. Nonetheless, if you happen to're over the Chase 5/24 rule, choosing up one other Citibank bank card to pair with the Double Money is a strong possibility.

Winner: Chase Freedom

Info for the Citi Status and Citi Premier playing cards has been collected independently by Million Mile Secrets and techniques and has not be reviewed by the cardboard issuer.

Greatest annual price

Each the Citi Double Money and the Chase Freedom are bank cards with no annual price.

Winner: Tie

Backside line

With regards to cash-back bank cards, it's onerous to go unsuitable with both the Chase Freedom or the Citi Double Money. Each are no-annual-fee playing cards that may be paired with different playing cards to make the rewards extra priceless.

If it’s important to choose just one card, the choice comes down as to whether or not you intend on pairing both of those playing cards with annual-fee playing cards so you’ll be able to flip the rewards you earn into transferable factors. The Citi Double Money has a greater total incomes charge, however the Chase Freedom has the potential to earn extra priceless transferable Chase Final Rewards factors.

Editorial be aware: We're the Million Mile Secrets and techniques staff. And we're happy with our content material, opinions and evaluation, and of our reader's feedback. These haven’t been reviewed, permitted or endorsed by any of the airways, inns, or bank card issuers which we frequently write about. And that's simply how we prefer it! 🙂

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