Choosing between the Chase Freedom Unlimited (no annual fee) and the Citi Custom Cash Card (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel at 5% via portal. 3% on dining and drugstores, 5% on Chase Travel. Earns a solid 1.5% on everything else.
Perfect if: You're comfortable booking through the issuer's portal for the best rate.
Apply Now5% on your top spending category each billing cycle (up to $500/cycle).
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Chase Freedom Unlimited | Citi Custom Cash Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $500 spend in 3 months | $200 after $1,500 spend in 6 months |
| Foreign Transaction Fee | 3% | 3% |
| Base Reward Rate | <strong>1.5%</strong> | 1.0% |
| Travel Rewards | <strong>5%</strong> | 1% |
| Dining Rewards | <strong>3%</strong> | 1% |
| Key Benefits | 3% on dining and drugstores, 5% on Chase Travel. | 5% on your top spending category each billing cycle (up to $500/cycle). |
Chase Freedom Unlimited pulls ahead for travel, dining, groceries, gas spending.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.