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.
Key facts
For ~$3,000/month balanced spend profile, Chase Freedom Unlimited® Credit Card has the higher ongoing annual value at $661 per year, versus $578 for Citi Custom Cash℠ . Ongoing value is spend rewards plus perks, minus the annual fee. The welcome bonus is first-year only.
- Chase Freedom Unlimited® Credit Card
- Ongoing value $661 · annual fee none · first-year value $861
- Citi Custom Cash℠
- Ongoing value $578 · annual fee none · first-year value $778
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.