Chase Freedom Flex® vs Citi Custom Cash® Card

Chase Freedom Flex®Chase Freedom Flex®

Chase

Loading...
Citi Custom Cash® CardCiti Custom Cash® Card

Citi

Loading...
Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
Cash Back
Point Value
2.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
20,000 Chase Ultimate Rewards after $500 in 90 days
$200 after $1,500 in 180 days

Effective return by category

CategoryChase Freedom Flex®Citi Custom Cash® Card
Gas Stations10.00%
5x · Rotating (Quarterly) · $1,500 cap
5.00%
5x · $500 cap
EV Charging10.00%
5x · Rotating (Quarterly) · $1,500 cap
1.00%
1x
Dining & Restaurants2.00%
1x
5.00%
5x · $500 cap
Groceries2.00%
1x
5.00%
5x · $500 cap
Select Streaming2.00%
1x
5.00%
5x · $500 cap
Drugstores & Pharmacies2.00%
1x
5.00%
5x · $500 cap
Home Improvement2.00%
1x
5.00%
5x · $500 cap
Gym & Fitness2.00%
1x
5.00%
5x · $500 cap
Everything else2.00%
1x
1.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

Ask the Advisor