July 19, 2024
Chase Freedom Limitless vs. Citi Double Money Card: Why You'll Earn Extra with Freedom

If money again rewards are on the high of your precedence record for bank cards, the card_name and the card_name are value a glance. You don’t need to pay an annual payment with both card, and each include engaging introductory APR provides. Nonetheless, card_name comes out on high because of its incomes potential. Plus, it provides a beneficiant welcome bonus you gained’t get with the card_name.

How the playing cards stack up

Right here’s a fast have a look at what every card provides:

Welcome bonus

card_name doesn’t supply a brand new cardholder incentive. Nonetheless, card_name provides the next:

  • bonus_miles_full
  • With the card_name, you possibly can bonus_miles_full

Welcome bonus winner: card_name


card_name retains it easy for cardholders with its flat-rate rewards system the place they will bonus_miles. Nonetheless, you may get much more out of card_name’s rewards program. Though it pays simply 1.5% money again on on a regular basis purchases, you possibly can earn 3% money again on eating and drugstore purchases and 5% on journey booked via Chase Final Rewards.

Rewards winner: card_name

Annual payment

Neither card expenses an annual payment.

Annual payment winner: Tie


card_name encompasses a longer promotional APR interval. Nonetheless, it solely applies to stability transfers.

card_name cardholders get a intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration. Nonetheless a foreign_transaction_fee payment applies to every stability switch, making this profit a greater deal for purchases.

APR winner: card_name

International transaction

Cardholders pay a 3% overseas transaction payment with each playing cards.

International transaction payment winner: Tie

Extra perks

card_name provides a bunch of added perks to cardholders, together with:

  • An annual referral bonus of as much as $500.
  • Buy, prolonged guarantee and nil legal responsibility protections.
  • Rental automobile collision harm waivers.
  • Journey interruption and cancellation insurance coverage.
  • Lyft, DoorDash and Instacart reductions.
  • Free weekly credit score rating updates with Chase Credit score Journey.

The incentives the card_name provides don’t fairly examine. You’ll get unique entry to leisure experiences and commonplace fraud safety in opposition to unauthorized expenses. Nonetheless, there isn’t rather more that comes with this card when it comes to added perks.

Extra perks winner: card_name

Which card earns essentially the most?

It depends upon your spending patterns. Under is a breakdown of how a lot you’d earn if you happen to spent $750 in every class:

Chase Freedom Limitless®

Typically talking, you possibly can make more cash again with card_name as there are extra bonus classes. Moreover, this desk accounts for the 1% earned after the acquisition is repaid, so card_name provides the next reward of 1.5% on the time of buy.

The desk additionally excludes earnings for journey booked via Chase Rewards. Utilizing the identical spending determine of $750, you’d earn a further $37.5 in money again rewards. However as proven above, you’d solely earn $15 with the card_name.

Our suggestions

Why we advocate publisher-pdp-url


card_name’s welcome bonus, beneficiant rewards program and added perks make it the higher possibility. Your incomes potential is larger if you happen to journey or dine out loads. And when you think about the welcome bonus for brand new cardholders, it’s the plain selection to maximise your money again rewards.

Why you’ll nonetheless go for card_name

card_name may work if you happen to favor a card with a easy rewards program. You’ll get 2% money again on all purchases: 1% whenever you make the acquisition and 1% whenever you repay it. This alleviates the stress of getting to make purchases in particular classes to maximise earnings.

It’s additionally perfect if you happen to’re trying to consolidate debt. You’ll get a barely longer promotional curiosity interval of 18 months in comparison with the 15 months supplied with card_name. The card_name has a BT chage of balance_transfer_fees whereas the card_name has an balance_transfer_intro_apr,balance_transfer_intro_duration, making card_name the higher selection for stability transfers.

Bonus classes vs. flat price

card_name and the card_name are on the high of the money again rewards playing cards record. The perfect match for you depends upon your spending habits. Nonetheless, card_name is extra interesting because of its bonus classes and welcome money again supply.

In case you’d favor a flat-rate incomes system, the card_name could possibly be a great match. And if you happen to plan to do a stability switch, you could possibly save a bundle in curiosity.

Finally, you possibly can’t go fallacious with both card. And also you gained’t pay an annual payment no matter which you select.

Continuously requested questions (FAQs)

Is the card_name onerous to get?

card_name usually requires a great or glorious credit score rating: 700 or larger. You’ll additionally have to display you may have a large quantity of regular revenue.

What’s the max credit score restrict on card_name?

Some cardholders have reported credit score limits of as much as $14,000. Nonetheless, Chase doesn’t disclose minimal and most credit score limits for card_name.

*APR is present as of April 13, 2023. APR is variable and modifications typically. Test along with your bank card supplier for the most recent APR.

The data introduced right here is created independently from the TIME editorial employees. To study extra, see our About web page.