Freedom Unlimited vs Double Cash

Updated September 17, 2026 · from RightCard's verified card and merchant data

Citi Double Cash earns more in 7 of 9 categories (supermarkets, gas stations, travel, online shopping), Chase Freedom Unlimited in 2, with 0 tied. Freedom Unlimited: no annual fee. Double Cash: no annual fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Every category, side by side

Published everyday rates. For points cards the value in brackets uses our conservative travel estimate; as cash, points are worth 1¢. No welcome bonuses, no limited-time offers.

Category	Freedom Unlimited	Double Cash	Wins
Restaurants	3%	2%	Freedom Unlimited
Supermarkets	1.5%	2%	Double Cash
Gas stations	1.5%	2%	Double Cash
Travel	1.5%	2%	Double Cash
Online shopping	1.5%	2%	Double Cash
Drugstores	3%	2%	Freedom Unlimited
Transit & rideshare	1.5%	2%	Double Cash
Streaming	1.5%	2%	Double Cash
Everything else	1.5%	2%	Double Cash

Fee and credits

Card	Annual fee	Statement credits	Credits, face value
Freedom Unlimited	no annual fee	none verified	—
Double Cash	no annual fee	none verified	—

Credits count only if you would spend there anyway. Tick the ones you would use and get each card's fee verdict →

Carrying both

Together they cover 9 of 9 categories above the other card's rate. See the pair as one wallet, then add the rest of your cards.

Chase Freedom Unlimited in full → · Citi Double Cash in full →

How RightCard handles this: add both cards and the app picks between them at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

Freedom Unlimited or Double Cash: which earns more?

Citi Double Cash earns more in 7 of 9 categories (supermarkets, gas stations, travel, online shopping), Chase Freedom Unlimited in 2, with 0 tied. Freedom Unlimited: no annual fee. Double Cash: no annual fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Which has the lower annual fee, Freedom Unlimited or Double Cash?

Freedom Unlimited: no annual fee. Double Cash: no annual fee.

Should I get both?

Only if each wins a category you spend in. Together they lead in 9 of 9 categories; the rate-my-wallet tool shows the pair as one wallet.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: All comparisons · Rate my wallet · Every verified card