Which card earns more rewards, the Chase Freedom Flex or Citi Strata Credit 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 Strata Credit 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 Strata Credit 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 Strata Credit 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 Strata Credit 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 Strata Credit Card?

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

Chase Freedom Flex vs Citi Strata Credit Card

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

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

30,000 Flex point

Earn Rates

Category	Chase Freedom Flex	Citi Strata Credit Card
Rotating Quarterly	5X	1X
Cosmetics	1X	3X
Drugstores	3X	1X
Fitness & Gyms	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X

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

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

Cons

−Must activate quarterly categories or miss 5% bonus
−$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
−3% foreign transaction fee

Category-by-Category Winner

The Citi Strata Credit Card wins in 10 of 12 categories. The Chase Freedom Flex leads in 2.

Rotating Quarterly

Chase Freedom Flex earns 5X vs 1X

Drugstores

Chase Freedom Flex earns 3X vs 1X

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Flex or Citi Strata Credit 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 Strata Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

Chase Freedom Flex — Full Review All Chase Cards

Citi Strata Credit 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 Strata Credit Card

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