Chase Freedom Unlimited® vs. Citi Custom Cash® Card

Side-by-side comparison · Updated 2026 · Independently reviewed

Chase logo
Chase Freedom Unlimited®
Chase
4.9

1.5%–5% cash back with no annual fee.

Full review →
Citi logo
Citi Custom Cash® Card
Citi
4.6

5% cash back on your top eligible category each month.

Full review →
WealthSpott Verdict

Citi Custom Cash® Card wins on more measurable categories — particularly annual cost. Chase Freedom Unlimited® may still win for your wallet depending on your spending patterns.

Feature
Chase Freedom Unlimited®
Citi Custom Cash®
Annual Fee
$0
$0
Sign-up Bonus
$200
$200
Rewards Rate
1.5%-5%
1%-5%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% intro APR for 15 months
0% for 15 months
Regular APR
20.49%-29.24% Variable
19.24%-29.99% Variable Best
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Chase Freedom Unlimited®
Pros
  • No annual fee
  • Strong bonus categories (dining, drugstores, travel via Chase)
  • 0% intro APR for 15 months
Cons
  • 3% foreign transaction fee
  • Bonus categories require activation
Full review
Citi Custom Cash® Card
Pros
  • 5% on top category (up to $500/quarter)
  • No annual fee
  • Categories include gas, groceries, dining
Cons
  • Only one category earns 5% per month
  • Foreign transaction fee
Full review

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