July 23, 2024
Chase Freedom Limitless vs. Citi Double Money Card: Why You'll Earn Extra with Freedom
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 price a glance. You don’t should pay an annual charge with both card, and each include engaging introductory APR provides. Nonetheless, card_name comes out on high on account 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 take 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 will 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 by means of Chase Final Rewards.

Rewards winner: card_name

Annual charge

Neither card costs an annual charge.

Annual charge 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 charge applies to every stability switch, making this profit a greater deal for purchases.

APR winner: card_name

Overseas transaction

Cardholders pay a 3% international transaction charge with each playing cards.

Overseas transaction charge winner: Tie

Extra perks

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

  • An annual referral bonus of as much as $500.
  • Buy, prolonged guarantee and 0 legal responsibility protections.
  • Rental automotive collision injury 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 evaluate. You’ll get unique entry to leisure experiences and normal fraud safety in opposition to unauthorized costs. 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 probably the most?

It relies on your spending patterns. Under is a breakdown of how a lot you’d earn in case you spent $750 in every class:

Chase Freedom Limitless®

Typically talking, you possibly can make more money 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 a better reward of 1.5% on the time of buy.

The desk additionally excludes earnings for journey booked by means of Chase Rewards. Utilizing the identical spending determine of $750, you’d earn an extra $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 choice. Your incomes potential is bigger in case you journey or dine out rather a lot. And when you think about the welcome bonus for brand spanking 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 in case you choose a card with a easy rewards program. You’ll get 2% money again on all purchases: 1% while you make the acquisition and 1% while you repay it. This alleviates the stress of getting to make purchases in particular classes to maximise earnings.

It’s additionally splendid in case you’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 fee

card_name and the card_name are on the high of the money again rewards playing cards record. One of the best match for you relies on your spending habits. Nonetheless, card_name is extra interesting on account of its bonus classes and welcome money again supply.

Should you’d choose a flat-rate incomes system, the card_name might be a great match. And in case you plan to do a stability switch, you may save a bundle in curiosity.

In the end, you possibly can’t go mistaken with both card. And also you gained’t pay an annual charge no matter which you select.

Ceaselessly requested questions (FAQs)

Is the card_name arduous to get?

card_name usually requires a great or wonderful credit score rating: 700 or greater. You’ll additionally have to show you’ve a large quantity of regular earnings.

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 adjustments usually. Test along with your bank card supplier for the most recent APR.

The knowledge offered right here is created independently from the TIME editorial workers. To be taught extra, see our About web page.

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