Chase Freedom Flex® vs Citi Strata Premier℠ Card

Chase Freedom Flex®Chase Freedom Flex®

Chase

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Citi Strata Premier℠ CardCiti Strata Premier℠ Card

Citi

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Annual Fee
No Annual Fee
$95
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
ThankYou Points
Point Value
2.00¢/pt
1.90¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
20,000 Chase Ultimate Rewards after $500 in 90 days
60,000 ThankYou Points after $4,000 in 90 days

Effective return by category

CategoryChase Freedom Flex®Citi Strata Premier℠ Card
Gas Stations10.00%
5x · Rotating (Quarterly) · $1,500 cap
5.70%
3x
EV Charging10.00%
5x · Rotating (Quarterly) · $1,500 cap
5.70%
3x
Airfare2.00%
1x
5.70%
3x
Hotels & Lodging2.00%
1x
5.70%
3x
Dining & Restaurants2.00%
1x
5.70%
3x
Groceries2.00%
1x
5.70%
3x
Everything else2.00%
1x
1.90%
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?

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