Chase Freedom Unlimited vs Citi Custom Cash
Flat 1.5% everywhere vs 5% on your top category. For mixed spenders, the winner depends on how concentrated your monthly purchases are.
Higher net value
| Metric | Chase Freedom Unlimited® Credit Card | Citi Custom Cash℠ |
|---|---|---|
| Ongoing annual value | $661 | $578 |
| First-year value (incl. bonus) | $861 | $778 |
| Spend rewards | $651 | $578 |
| Perks & credits | $10 | $0 |
| Welcome bonus | $200 | $200 |
| Annual fee | None | None |
Calculated using ~$3,000/month balanced spend profile. See methodology.