Decision tool
Compare cards
Two cards, one screen, published facts only. What each one costs, what it earns and where the caps bite — plus who it genuinely doesn't suit, which is the part the comparison sites leave out.
Citi Double CashWells Fargo Active CashChase Freedom Unlimited
Annual fee
No annual fee
No annual fee
No annual fee
Earns into
Citi ThankYou Points
Cash back
Chase Ultimate Rewards
Card type
Personal
Personal
Personal
Restaurants
2x points1% when you buy, 1% when you pay
2% back
3x points
Groceries
2x points1% when you buy, 1% when you pay
2% back
1.5x points
Flights
2x points1% when you buy, 1% when you pay
2% back
1.5x points
Hotels
2x points1% when you buy, 1% when you pay
2% back
1.5x points
Travel portal
2x points1% when you buy, 1% when you pay
2% back
5x pointsBooked through Chase Travel
Everything else
2x points1% when you buy, 1% when you pay
2% back
1.5x points
Who it fits
Anyone who wants a floor under every purchase without thinking about it.
People who want 2% with no payment-timing conditions attached.
Anyone who already holds a Sapphire card and wants a better floor on unbonused spend.
Who it doesn't
People who genuinely maximise categories and redeem points for travel.
Travellers who'd get more from transferable points.
People with no Chase points card — as standalone cash back it's ordinary.
Last documented change
September 1, 2022Rewards converted from statement-credit cash back to Citi ThankYou points
Nothing documented
Nothing documented
What's the answer?
A table can show you the rates. It can't tell you which one is right for the way you actually spend — and it deliberately doesn't price a point, because that number is an opinion.