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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 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 $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
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 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other 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 restaurantEarn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
 

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:
  • $200 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

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.


Articles on Costco Anywhere Visa® Card by Citi

Costco Business Center

Citi Costco Review

The Citi Costco card offers high cash back for gas and Costco purchases, but there are limitations to know before you apply. Read on for the pros and cons.

Articles on Chase Freedom Unlimited®

Chase Freedom Unlimited Review

With a $200 cash back offer and no annual fee, does Chase Freedom Unlimited live up to the hype? Read this in-depth review to see how it stacks up.

Chase Freedom Unlimited Benefits

Besides unlimited 1.5% cash back on all purchases, Chase Freedom Unlimited offers valuable benefits. Don't overlook them.

Chase Freedom Unlimited Credit Score

Chase Freedom Unlimited usually requires a good credit score (680+). But this is not the only deciding factor. Find out how to improve your odds.

Chase Freedom Unlimited Foreign Transaction Fee

Chase Freedom Unlimited may not be a good travel partner. Here's what you need to know about its foreign transaction fees.

Chase Freedom Unlimited Credit Limit

Many Chase Freedom Unlimited users receive a credit limit of $1,000 - $3,000. Find out how Chase determines your credit limit and how to get an increase.

Which Do You Like and Why?





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:

Capital One Quicksilver

Capital One Quicksilver Cash Rewards Credit Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% intro on purchases for 15 months
N/A
15.49% - 25.49% (Variable)
Annual Fee
$0
Blue Cash Everyday

Blue Cash Everyday® Card from American Express

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 15 months
N/A
13.99% - 23.99% Variable
Annual Fee
$0
Capital One Venture

Capital One Venture Rewards Credit Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.24% - 24.49% (Variable)
Annual Fee
$95

Disclaimer: The information for the Capital One Quicksilver Cash Rewards Credit Card and Capital One Venture Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


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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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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.

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