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Chase Freedom Flex℠ vs Citi Simplicity® Card

One cashback card and one card with fewer fees.

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Megan Horner
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Please note: Citi is an advertising partner of finder.com

Except for having a $0 annual fee and a long intro APR periods, these cards are completely different. For example, the Chase Freedom Flex℠ offers a solid welcome offer and a massive cashback rate on rotating categories each quarter, whereas the Citi Simplicity® Card lets you save money on fees and interest with longer intro APR periods on balance transfers and purchases.

Check out all other perks in the table below.

Chase Freedom Flexâ„ 

Chase Freedom Flexâ„ 

Terms apply, see rates & fees

Citi Simplicity® Card

Citi Simplicity® Card

Terms apply, see rates & fees
Finder rating
Finder rating

★★★★★

4.7 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Long intro APR period and cash back in rotating categories
  • Long intro APR periods and few fees
Welcome offer
Welcome offer

$200 after spending $500 in the first 3 months

N/A
Rewards
Rewards

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
5%cash back on travel purchased through Chase Ultimate Rewards®
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 1% cash back on all other purchases.

N/A
Purchase APR
Purchase APR

0% intro APR for 15 months, and then 14.99% to 23.74% variable

0% intro APR for 12 months, and then 14.74% to 24.74% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

0% intro APR for 15 months, then 14.99% to 23.74% variable

0% intro APR for 21 months, then 14.74% to 24.74% variable
Cash advance
Cash advance

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee 3% of each transaction 3% of each transaction
Late payment fee
Late payment fee Up to $39 $0
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 21 days 23 days
Minimum interest
Minimum interest $0 $0.50
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
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Learn more

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