Head-to-Head
Chase Freedom Unlimited vs Citi Custom Cash: Which Is Better?
A detailed comparison to help you choose the right option for your financial goals.
Editor's Choice
Chase Freedom Unlimited
★★★★★4.4/5
✓1.5% on everything
✓No annual fee
✓$200 bonus
Pros
- ✓ Good base rate
- ✓ No annual fee
- ✓ Chase ecosystem
Cons
- ✗ Not highest rates
- ✗ Needs good credit
- ✗ Better cards exist
Best For
Cashback MaximizersInvesting BeginnersCredit Builders
Citi Custom Cash
★★★★★4.4/5
✓5% on top category
✓No annual fee
✓$200 bonus
Pros
- ✓ Auto 5% on top spend
- ✓ No annual fee
- ✓ Good bonus
Cons
- ✗ $500 monthly cap
- ✗ Only one 5% category
- ✗ Citi app mediocre
Best For
Cashback MaximizersInvesting Beginners
Our Verdict
Chase Freedom Unlimited gets our recommendation with a 4.4/5 rating. It's especially strong for those who want 1.5% on everything. That said, Citi Custom Cash is still excellent if auto 5% on top spend is your top priority.