Chase Freedom Flex® vs RCI Elite Rewards World Mastercard
RCI Elite Rewards World Mastercard earns more in 7 of the 12 categories we track. Neither has an annual fee.
The basics
| Detail | Chase Freedom Flex® | RCI Elite Rewards World Mastercard |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | Chase Ultimate Rewards | RCI Member Rewards |
| Each point is worth | 1.00¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | 25,000 Chase Ultimate Rewards after $500 in 90 days | — |
What each earns
| Category | Chase Freedom Flex® | RCI Elite Rewards World Mastercard |
|---|---|---|
| Card Travel Portals | 5.0% (higher) 5x | 2.0% 2x |
| Groceries | 5.0% (higher) 5x, rotating (quarterly), up to $1,500 | 1.0% 1x |
| Dining & Restaurants | 3.0% (higher) 3x | 1.0% 1x |
| Drugstores & Pharmacies | 3.0% (higher) 3x | 1.0% 1x |
| Travel | 1.0% 1x | 2.0% (higher) 2x |
| Airfare | 1.0% 1x | 2.0% (higher) 2x |
| Car Rentals | 1.0% 1x | 2.0% (higher) 2x |
| Hotels & Lodging | 1.0% 1x | 2.0% (higher) 2x |
| Rideshare & Transit | 1.0% 1x | 2.0% (higher) 2x |
| Gas Stations | 1.0% 1x | 2.0% (higher) 2x |
| EV Charging | 1.0% 1x | 2.0% (higher) 2x |
| Everything else | 1.0% 1x | 1.0% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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