Which card earns more rewards, the Chase Freedom Flex or Citi Custom Cash Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Chase Freedom Flex or the Citi Custom Cash Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Chase Freedom Flex or Citi Custom Cash Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Chase Freedom Flex or the Citi Custom Cash Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Chase Freedom Flex or Citi Custom Cash Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Chase Freedom Flex or the Citi Custom Cash Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.

Chase Freedom Flex vs Citi Custom Cash Card

Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the Citi Custom Cash Card wins on dining. Here's how they compare.

Chase Freedom Flex

Chase

Citi Custom Cash Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

Earn Rates

Category	Chase Freedom Flex	Citi Custom Cash Card
Dining	1X	5X
Drugstores	3X	5X
Fitness & Gyms	1X	5X
Gas Stations	1X	5X
Grocery Stores	1X	5X
Home Improvement	1X	5X

Benefits & Features

Network

MASTERCARD

Key Benefits

✓Travel insurance

✓Purchase protection

None

Pros & Cons

Pros

+5% on rotating categories up to $1,500/quarter when activated
+3% on dining and drugstores with no annual cap
+5X on Chase Travel portal purchases
+$0 annual fee with Mastercard World Elite benefits
+Transfer points 1:1 to travel partners with Sapphire card

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

Cons

−Must activate quarterly categories or miss 5% bonus
$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)

Category-by-Category Winner

The Citi Custom Cash Card wins in 10 of 11 categories. The Chase Freedom Flex leads in 1.

Rotating Quarterly

Chase Freedom Flex earns 5X vs 1X

Drugstores

Citi Custom Cash Card earns 5X vs 3X

Dining

Citi Custom Cash Card earns 5X vs 1X

Fitness & Gyms

Citi Custom Cash Card earns 5X vs 1X

Gas Stations

Citi Custom Cash Card earns 5X vs 1X

Grocery Stores

Citi Custom Cash Card earns 5X vs 1X

Home Improvement

Citi Custom Cash Card earns 5X vs 1X

Live Entertainment

Citi Custom Cash Card earns 5X vs 1X

Streaming

Citi Custom Cash Card earns 5X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Flex or Citi Custom Cash Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Chase Freedom Flex or the Citi Custom Cash Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Chase Freedom Flex — Full Review All Chase Cards

Citi Custom Cash Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Citi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Chase Freedom Flex vs Citi Custom Cash Card

Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the Citi Custom Cash Card wins on dining. Here's how they compare.

Chase Freedom Flex

Chase

Citi Custom Cash Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

Earn Rates

Category	Chase Freedom Flex	Citi Custom Cash Card
Dining	1X	5X
Drugstores	3X	5X
Fitness & Gyms	1X	5X
Gas Stations	1X	5X
Grocery Stores	1X	5X
Home Improvement	1X	5X

Benefits & Features

Network

MASTERCARD

Key Benefits

✓Travel insurance

✓Purchase protection

None

Pros & Cons

Pros

+5% on rotating categories up to $1,500/quarter when activated
+3% on dining and drugstores with no annual cap
+5X on Chase Travel portal purchases
+$0 annual fee with Mastercard World Elite benefits
+Transfer points 1:1 to travel partners with Sapphire card

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

Cons

−Must activate quarterly categories or miss 5% bonus
$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)

Category-by-Category Winner

The Citi Custom Cash Card wins in 10 of 11 categories. The Chase Freedom Flex leads in 1.

Rotating Quarterly

Chase Freedom Flex earns 5X vs 1X

Drugstores

Citi Custom Cash Card earns 5X vs 3X

Dining

Citi Custom Cash Card earns 5X vs 1X

Fitness & Gyms

Citi Custom Cash Card earns 5X vs 1X

Gas Stations

Citi Custom Cash Card earns 5X vs 1X

Grocery Stores

Citi Custom Cash Card earns 5X vs 1X

Home Improvement

Citi Custom Cash Card earns 5X vs 1X

Live Entertainment

Citi Custom Cash Card earns 5X vs 1X

Streaming

Citi Custom Cash Card earns 5X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Flex or Citi Custom Cash Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Chase Freedom Flex or the Citi Custom Cash Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Chase Freedom Flex — Full Review All Chase Cards

Citi Custom Cash Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Citi cards

Chase Freedom Flex vs Citi Custom Cash Card

Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the Citi Custom Cash Card wins on dining. Here's how they compare.

Chase Freedom Flex

Chase

Citi Custom Cash Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

Earn Rates

Category	Chase Freedom Flex	Citi Custom Cash Card
Dining	1X	5X
Drugstores	3X	5X
Fitness & Gyms	1X	5X
Gas Stations	1X	5X
Grocery Stores	1X	5X
Home Improvement	1X	5X

Benefits & Features

Network

MASTERCARD

Key Benefits

✓Travel insurance

✓Purchase protection

None

Pros & Cons

Pros

+5% on rotating categories up to $1,500/quarter when activated
+3% on dining and drugstores with no annual cap
+5X on Chase Travel portal purchases
+$0 annual fee with Mastercard World Elite benefits
+Transfer points 1:1 to travel partners with Sapphire card

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

Cons

−Must activate quarterly categories or miss 5% bonus
$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)

Category-by-Category Winner

The Citi Custom Cash Card wins in 10 of 11 categories. The Chase Freedom Flex leads in 1.

Rotating Quarterly

Chase Freedom Flex earns 5X vs 1X

Drugstores

Citi Custom Cash Card earns 5X vs 3X

Dining

Citi Custom Cash Card earns 5X vs 1X

Fitness & Gyms

Citi Custom Cash Card earns 5X vs 1X

Gas Stations

Citi Custom Cash Card earns 5X vs 1X

Grocery Stores

Citi Custom Cash Card earns 5X vs 1X

Home Improvement

Citi Custom Cash Card earns 5X vs 1X

Live Entertainment

Citi Custom Cash Card earns 5X vs 1X

Streaming

Citi Custom Cash Card earns 5X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Flex or Citi Custom Cash Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Chase Freedom Flex or the Citi Custom Cash Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Chase Freedom Flex — Full Review All Chase Cards

Citi Custom Cash Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Citi cards

−3% foreign transaction fee

−Points worth only 1 cent without Sapphire card pairing

−Welcome bonus lower than Sapphire cards

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
−3% foreign transaction fee makes it poor for international travel
−Cannot manually select bonus category - algorithm chooses based on spend
−Only one Custom Cash card allowed per person
−48-month restriction on welcome bonus if you've had one before

Transit

Citi Custom Cash Card earns 5X vs 1X

Travel

Citi Custom Cash Card earns 5X vs 1X

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Citi Custom Cash Card means losing:

-Purchase protection
-Travel insurance

Which Card Is Right for You?

Get the Citi Custom Cash Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

−3% foreign transaction fee

−Points worth only 1 cent without Sapphire card pairing

−Welcome bonus lower than Sapphire cards

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
−3% foreign transaction fee makes it poor for international travel
−Cannot manually select bonus category - algorithm chooses based on spend
−Only one Custom Cash card allowed per person
−48-month restriction on welcome bonus if you've had one before

Transit

Citi Custom Cash Card earns 5X vs 1X

Travel

Citi Custom Cash Card earns 5X vs 1X

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Citi Custom Cash Card means losing:

-Purchase protection
-Travel insurance

Which Card Is Right for You?

Get the Citi Custom Cash Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

−3% foreign transaction fee

−Points worth only 1 cent without Sapphire card pairing

−Welcome bonus lower than Sapphire cards

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
−3% foreign transaction fee makes it poor for international travel
−Cannot manually select bonus category - algorithm chooses based on spend
−Only one Custom Cash card allowed per person
−48-month restriction on welcome bonus if you've had one before

Transit

Citi Custom Cash Card earns 5X vs 1X

Travel

Citi Custom Cash Card earns 5X vs 1X

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Citi Custom Cash Card means losing:

-Purchase protection
-Travel insurance

Which Card Is Right for You?

Get the Citi Custom Cash Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores