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Citi® Dividend Platinum Select® MasterCard® vs Chase Freedom

So which credit card is better to Chase Freedom® credit card, or the Citi® Dividend Platinum Select® MasterCard® credit card. Both credit cards are cash back credit cards, both cards have no annual fee. Both cards also offer up to 20% cash back when you shop through their online retailers platform. That's about where the similarities end.

Currently the Citi® Dividend Platinum Select® MasterCard® credit card offers a 0% introductory APR on balance transfers for up to 15 months, whereas the Chase Freedom® credit card offers a 0% on balance transfers for 12 months. The Chase® freedom card also offers $100 cash back bonus plus 5% cash back in popular categories like gas, home improvements, and department stores, the Citi® Dividend Platinum Select® MasterCard® credit card offers 5% on rotating categories, 2% cash back for 1st 6 months, 1% after that, which the Chase® freedom card offers on everything that doesn't include the 5% cash back rebate. Both cards feature no no cap on the amount of cash back you can earn.

Overall, the Chase Freedom® card seems to edge out the Citi® Dividend Platinum Select® MasterCard® card. Because people are more likely to use their credit card for gas purchases and department stores, the 5% that Chase® offers can really make a difference. The three months difference in 0% APR balance transfers isn't as much of a factor, as the 5%.

Compare the Chase Freedom® vs Citi® Dividend Platinum Select® MasterCard® Bottom Line below

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