Chase Freedom Flex vs Citi Custom Cash
The rotating-category showdown. Freedom Flex offers quarterly 5% categories; Custom Cash auto-bonuses your top spend category each month. We model real dollar outcomes.
Key facts
For ~$3,000/month balanced spend profile, Citi Custom Cash℠ has the higher ongoing annual value at $578 per year, versus $474 for Chase Freedom Flex® Credit Card. Ongoing value is spend rewards plus perks, minus the annual fee. The welcome bonus is first-year only.
- Chase Freedom Flex® Credit Card
- Ongoing value $474 · annual fee none · first-year value $674
- Citi Custom Cash℠
- Ongoing value $578 · annual fee none · first-year value $778
Higher net value
| Metric | Chase Freedom Flex® Credit Card | Citi Custom Cash℠ |
|---|---|---|
| Ongoing annual value | $474 | $578 |
| First-year value (incl. bonus) | $674 | $778 |
| Spend rewards | $464 | $578 |
| Perks & credits | $10 | $0 |
| Welcome bonus | $200 | $200 |
| Annual fee | None | None |
Calculated using ~$3,000/month balanced spend profile. See methodology.