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.
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.
Annual Fee
Welcome Bonus
| 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 |
Network
Key Benefits
Pros
Cons
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
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.
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.
Annual Fee
Welcome Bonus
| 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 |
Network
Key Benefits
Pros
Cons
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
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.
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.
Annual Fee
Welcome Bonus
| 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 |
Network
Key Benefits
Pros
Cons
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
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.
| Live Entertainment | 1X | 3X |
| Pet Stores | 1X | 3X |
| Rotating Category | 1X | 3X |
| Streaming | 1X | 3X |
| Transit | 1X | 3X |
| Dining | 1X | 2X |
| Everything Else | 1X | 1X |
Pet Shops
Citi Strata Credit Card earns 3X vs 1X
Streaming
Citi Strata Credit Card earns 3X vs 1X
Dining
Citi Strata Credit Card earns 2X vs 1X
Choosing one card means missing out on these benefits from the other.
Choosing Citi Strata Credit Card means losing:
Get the Citi Strata Credit Card if you:
| Live Entertainment | 1X | 3X |
| Pet Stores | 1X | 3X |
| Rotating Category | 1X | 3X |
| Streaming | 1X | 3X |
| Transit | 1X | 3X |
| Dining | 1X | 2X |
| Everything Else | 1X | 1X |
Pet Shops
Citi Strata Credit Card earns 3X vs 1X
Streaming
Citi Strata Credit Card earns 3X vs 1X
Dining
Citi Strata Credit Card earns 2X vs 1X
Choosing one card means missing out on these benefits from the other.
Choosing Citi Strata Credit Card means losing:
Get the Citi Strata Credit Card if you:
| Live Entertainment | 1X | 3X |
| Pet Stores | 1X | 3X |
| Rotating Category | 1X | 3X |
| Streaming | 1X | 3X |
| Transit | 1X | 3X |
| Dining | 1X | 2X |
| Everything Else | 1X | 1X |
Pet Shops
Citi Strata Credit Card earns 3X vs 1X
Streaming
Citi Strata Credit Card earns 3X vs 1X
Dining
Citi Strata Credit Card earns 2X vs 1X
Choosing one card means missing out on these benefits from the other.
Choosing Citi Strata Credit Card means losing:
Get the Citi Strata Credit Card if you: