Which card has a lower annual fee, Chase Freedom Flex or Citi Double Cash Card?

The Chase Freedom Flex has no annual fee, compared to $0 for the Citi Double Cash Card.

Which card earns more cash back, Chase Freedom Flex or Citi Double Cash Card?

The Chase Freedom Flex earns 1.0% base cash back, while the Citi Double Cash Card earns 2.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Chase Freedom Flex better than the Citi Double Cash Card?

It depends on your spending. If you spend more on categories where the Chase Freedom Flex offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Chase Freedom Flex® Credit Card vs Citi Double Cash® Card: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.

Choosing between the Chase Freedom Flex® Credit Card (no annual fee) and the Citi Double Cash® Card (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.

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Meet the Contenders

Chase Freedom Flex

Strongest in dining at 3%. 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores.

Annual fee: None Sign-up bonus: $200 after $500 spend in 3 months Foreign fees: 3%

Perfect if: You want solid rewards without paying an annual fee.

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Citi Double Cash Card

Unlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.

Annual fee: None Sign-up bonus: $200 after $1,500 spend in 6 months Foreign fees: 3%

Perfect if: You're comfortable booking through the issuer's own site for the best rate.

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Head-to-Head Comparison

Feature	Chase Freedom Flex	Citi Double Cash Card
Annual Fee	$0	$0
Sign-Up Bonus	$200 after $500 spend in 3 months	$200 after $1,500 spend in 6 months
Foreign Transaction Fee	3%	3%
Base Reward Rate	1%	2%
Dining Rewards	3%	2%
Rates with conditions not counted in the rows above	5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1%.	5% through Citi Travel Earns 5% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 2%.
Key Benefits	5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores.	Unlimited 2% cash back on all purchases.

The Verdict

Chase Freedom Flex pulls ahead for dining spending.

Citi Double Cash Card wins on travel, groceries, gas.

Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.