Chase Freedom Flex® vs Costco Anywhere Visa® Card by Citi

Chase Freedom Flex®Chase Freedom Flex®

Chase

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Costco Anywhere Visa® Card by CitiCostco Anywhere Visa® Card by Citi

Citi

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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
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Effective return by category

CategoryChase Freedom Flex®Costco Anywhere Visa® Card by Citi
Gas Stations10.00%
5x · Rotating (Quarterly) · $1,500 cap
4.00%
4x · $7,000 cap
EV Charging10.00%
5x · Rotating (Quarterly) · $1,500 cap
4.00%
4x · $7,000 cap
Dining & Restaurants2.00%
1x
3.00%
3x
Travel2.00%
1x
3.00%
3x
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?

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