Chase Freedom Flex vs Citi Custom Cash
At typical spending, the Citi Custom Cash comes out ahead by about $121 a year ($1,085 vs $964). The Chase Freedom Flex earns more on dining and flights & hotels. Which one wins for you depends on where your money actually goes.
Chase Freedom FlexNo annual fee
Citi Custom CashNo annual fee
| Chase Freedom Flex | Citi Custom Cash | |
|---|---|---|
| Est. value/yr at typical spending | $964 | $1,085 |
| Annual fee | $0 | $0 |
| Yearly credits | $0 | $0 |
| Fee after credits | $0 | $0 |
| Dining | 3x | 1x |
| Groceries | 1x | 1x |
| Flights & hotels | 5x | 1x |
| Rent | 1x | 1x |
| Gas & transit | 1x | 1x |
| Streaming | 1x | 1x |
| Online shopping | 1x | 1x |
| Everything else | 3x | 3x |
| Transfer partners | Cash back | 16 |
| Lounge access | No | No |
Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
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