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Citi Dividend Platinum Select vs Chase Freedom

These cards are both perfect for people who want to earn more cashbacks with their purchases. In terms of benefits that can be derived from each of them, customers may want to look closely into the features of these cards.

Zero percent intro APR is the common factor between Citi Dividend and Chase Freedom. They differ only on the duration of the promo period where intro APR is offered. Citi Dividend gives customers more edge in this aspect but customers will have to maintain a good credit score to enjoy more perks afterwards. Cashbacks offered are high and the card may grant customers more freedom to earn more rewards from their spending. Citi Dividend has what they call the Citi Bonus Cash Center, where customers can earn more rewards and bonus when they shop online.

Chase Freedom gives its account holders an opportunity to earn big cashback rewards right after sign up. This is best for people who are more focused on getting back something from their spending. A high cashback reward is given to card account holders when purchases are made on certain categories and an even higher cash back bonus when the purchase is done on the card’s online shopping malls. Some merchants in Chase Freedom's online shopping mall give higher cashback compared to those offered by Citi Dividend.

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