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Citi Costco vs Chase Freedom Unlimited

Compare Rewards, Interest Rates, Fees, and Benefits

How does Citi Costco compare to Chase Freedom Unlimited, a cash back credit card? Read our comparison chart below.

Keep in mind, the Citi Costco has a No annual fee for this credit card with your paid Costco Membership, while the Chase Freedom Unlimited has a $0 annual fee.

 

Costco Anywhere Visa® Card by Citi

Chase Freedom Unlimited®

 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 15 months
Purchase APR15.24%* (Variable) based on your creditworthiness and other factors14.99% to 23.74% Variable based on your creditworthiness and other factors
Balance Transfers APR15.24%* (Variable) based on your creditworthiness and other factors14.99% to 23.74% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee3% of each transaction in U.S. dollars
Annual FeeNo annual fee for this credit card with your paid Costco Membership$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash Back Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
Cash Back RewardsEarn 4% cash back on eligible gas purchases for the first $7,000 per year, and then 1% thereafter. Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases.Earn unlimited 1.5% cash back on all purchases.
Travel RewardsEarn 3% cash back on eligible travel purchases. 
Gas RewardsEarn 4% cash back on eligible gas purchases for the first $7,000 per year, and then 1% thereafter. 
Dining RewardsEarn 3% cash back on restaurant 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Cash Back Rate on Gas
  • Cash Back Rate at Costco
  • No Annual Fee with Paid Costco Membership
Cons:
  • Requires Costco Membership
  • No Intro APR
Pros:
  • $150 Cash Back
  • Intro APR
  • No annual fee
Cons:
  • Foreign transaction fee
Bottom Line Read full reviewGreat cash back credit card for everyday purchases... Read full review
 Read Citi Costco ReviewRead Chase Freedom Unlimited Review
What Others View

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

    Disclaimer: The information for the Costco Anywhere Visa® Card by Citi and Chase Freedom Unlimited® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    Citi Costco: Pricing information including interest rates, rewards, benefits and fees was obtained on March 20, 2020 from published websites and is believed to be accurate, but not guaranteed.

    Chase Freedom Unlimited: Pricing information including interest rates, benefits and fees was obtained on June 3, 2020 from published websites and is believed to be accurate, but not guaranteed.


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    Compare Citi Costco to:

    Chase Sapphire Preferred
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    15.99% - 22.99% Variable
    $95

    Compare Chase Freedom Unlimited to:

    Blue Cash Everyday
    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsurancePurchase Protection$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    0% on Purchases for 15 months
    N/A
    13.99% - 23.99% Variable
    $0

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    About CreditDonkey®
    CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

    CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.