Chase Freedom Flex® vs Citi Custom Cash® Card

Chase Freedom Flex®Chase Freedom Flex®

Chase

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Citi Custom Cash® CardCiti Custom Cash® Card

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
1.00¢/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
Dining & Restaurants3.00%
3x
5.00%
5x · $500 cap
Gas Stations1.00%
1x
5.00%
5x · $500 cap
Groceries5.00%
5x · Rotating (Quarterly) · $1,500 cap
5.00%
5x · $500 cap
Home Improvement1.00%
1x
5.00%
5x · $500 cap
Gym & Fitness1.00%
1x
5.00%
5x · $500 cap
Drugstores & Pharmacies3.00%
3x
5.00%
5x · $500 cap
Card Travel Portals5.00%
5x
1.00%
1x
Streaming1.00%
1x
5.00%
5x · $500 cap
Rideshare & Transit1.00%
1x
5.00%
5x · $500 cap
Entertainment1.00%
1x
5.00%
5x · $500 cap
Travel1.00%
1x
5.00%
5x · $500 cap
Charity & Donations5.00%
5x · Rotating (Quarterly) · $1,500 cap
1.00%
1x
Everything else1.00%
1x
1.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

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

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