Chase Freedom Unlimited vs Citi Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Freedom Unlimited wins 5-1. No-fee everyday card; pairs perfectly with Sapphire Preferred Citi Premier is still the right call if travel + dining + groceries combined — broader 3x than sapphire preferred..
Side-by-side
| Criterion | Chase Freedom Unlimited | Citi Premier |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 3% (travel) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cash back after $500 spend in first 3 months + 5% gas/groceries on first $12K | = 60,000 ThankYou points after $4,000 in 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
Chase Freedom Unlimited
- 5% on travel via Chase Ultimate Rewards
- 3% on dining (incl. takeout & delivery)
- 3% on drugstore purchases
- 1.5% on everything else
- No annual fee
- 0% intro APR for 15 months
Citi Premier
- 3x ThankYou points on travel (incl. gas)
- 3x on dining
- 3x on supermarkets
- Transferable to 16 airline partners
- $100 annual hotel credit
- No foreign transaction fees
FAQ
›Chase Freedom Unlimited vs Citi Premier: which is better?
Chase Freedom Unlimited wins on more dimensions (5 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Freedom Unlimited for its best categories, Citi Premier for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Freedom Unlimited: $200 cash back after $500 spend in first 3 months + 5% gas/groceries on first $12K. Citi Premier: 60,000 ThankYou points after $4,000 in 3 months.