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Citi Custom Cash℠ Card vs Chase Freedom Unlimited®

Citi Custom Cash℠ Card
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On Citi's secure site
Chase Freedom Unlimited®
Apply Now
On Chase's secure site
Product Details
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.

  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

  • No Annual Fee

  • Citi will only issue one Citi Custom Cash℠ Card account per person.

  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • 3% cash back on dining at restaurants, including takeout and eligible delivery services

  • 3% cash back on drugstore purchases

  • 5% on travel purchased through Chase Ultimate Rewards®

  • Unlimited 1.5% cash back on all other purchases

  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% - 24.74%.

  • No annual fee.

Credit Score Needed
Excellent, Good
Good, Excellent
Card Type
Mastercard
Visa
Welcome Offer
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year
Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases
Intro Annual Fee
N/A
N/A
Annual Fee
$0
$0
Additional User Annual Fee
N/A
N/A
Foreign Transaction Fee
3%
3% of each transaction in U.S. dollars
Intro Purchase APR
0% for 15 months
0% Intro APR on Purchases for 15 months
Regular Purchase APR
13.99%-23.99% (Variable)
14.99% - 24.74% Variable
Cash Advance Fee
5% of each cash advance; $10 minimum
Either $10 or 5% of the amount of each transaction, whichever is greater.
Cash Advance APR
25.24% (Variable)
24.99% Variable
Late Fee
Up to $40
Up to $40
Intro Balance Transfer APR
0% for 15 months
N/A
Regular Balance Transfer APR
13.99% - 23.99% (Variable)
14.99% - 24.74% Variable
Penalty APR
29.99% (Variable)
Up to 29.99%
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Either $5 or 5% of the amount of each transfer, whichever is greater.
Return Payment Fee
Up to $40
Up to $40
Minimum Deposit
N/A
N/A