Chase Freedom Unlimited® Card
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Citi Simplicity® Card
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8.7MyCreditCardLab Score
MyCreditCardLab Score 8.7We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
9.0MyCreditCardLab Score
MyCreditCardLab Score 9.0We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | |
| $0 | $0 |
| INTRO APR | |
| 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers | 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 21 months on qualifying balance transfers |
| REGULAR APR | |
| Intro time end, 20.49% - 29.24% (V) APR after that | 19.24% - 29.99% Variable APR |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| Get an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! | 0% intro APR for 21 months on balance transfers and purchases from date of account opening |
| REWARDS | |
Chase Freedom Unlimited® Card Rewards program provides exceptional flexibility in credit currency. Redeem your earnings across a wide range of options, including:
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Citi Simplicity® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
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| BENEFITS | |
| Unique cash back rate boost - The Freedom Unlimited card's latest welcome offer is better than its normal one. It gives you a chance at up to $300 in cash back (1.5% on up to $20,000 spent in the first year). This is a $100 boost to the card's usual $200 offer. Travel - Travel and emergency assistance services can help if you have issues away from home. They provide legal and medical referrals and other help. Roadside Dispatch can help in a roadside emergency. It covers tows, jump starts, tyre changes, and lockout service. 0% intro rate for purchases and balance transfers - Chase Freedom Unlimited offers 0% APRs for new purchases. They also offer 0% APRs for balance transfers. This is for the first 15 months. The purchase part is fine. Just make sure to pay off your full balance before the high regular rates start. The only downsides are Chase Freedom Unlimited’s higher regular APR and its 3% balance transfer fee. The fee is for transfers in the first 60 days (5% after that). Purchase protection - If you buy an item with your Freedom Unlimited and it is stolen or damaged in the first 120 days, you can be reimbursed. You can get up to $500 per claim, with a max of $50,000 per account. Credit score & identity restoration services - Cardholders can use Chase Credit Journey to access their credit score at any time. They can also get no-cost identity restoration services. | Flexible payment due date - Cardholders are able to choose a payment due date that works best for them. No penalty APR - You won’t be assessed a penalty APR if you’re late on a payment. 21 month-APR offer on balance transfers - The 21-month offer on balance transfers is one of the longest intro APR offers. They have not paid interest for nearly two years. This gives cardholders the chance to make a serious dent in their debt. 12 month-APR offer on purchases - If you need to pay for purchases over time, you won't have to pay interest on them for a full year. However, there are cards with longer intro APR periods on purchases. Fewer fees - The Citi Simplicity doesn’t charge an annual fee or late fees. It does, however, charge a balance transfer fee and cash advance fee. |
| CASH ADVANCE FEE / APR | |
| Either $10 or 5% of the amount of each transaction, whichever is greater. | 29.99% variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater |
| BALANCE TRANSFER FEE | |
| Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) | 19.24% - 29.99% variable, 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | |
| 3% in U.S. dollars | 3% |
| BEST FOR | |
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| More Details | More Details |
Chase Freedom Unlimited® vs. Citi Simplicity®
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