Citi Double Cash offers longer 0% APR on balance transfers; Chase Freedom Unlimited rewards better on purchases.

The Citi Double Cash card provides an 18-month 0% introductory APR on balance transfers, making it ideal for paying off existing debt without interest. In contrast, the Chase Freedom Unlimited card offers 0% APR for 15 months on both purchases and balance transfers, plus higher cash back rates on dining, drugstores, and travel. Both cards have no annual fees and similar balance transfer fees, but Citi's longer 0% period favors those focused on debt payoff, while Chase rewards ongoing spending more. Choosing depends on whether you prioritize balance transfer savings or rewards on everyday purchases.