Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Chase Freedom Flex℠ vs Citi Simplicity® Card

One cashback card and one card with fewer fees.

The winner: Chase Freedom Flexâ„ 

Chase Freedom Flexâ„  logo

Up to 5%

Cash back

  • 5% back in rotating categories on up to $1,500 quarterly, then 1%
  • New rewards on travel, dining and drugstores
  • No annual fee
See offer
Avatar
Megan Horner
Updated
Fact checked
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, plus 5% cash back at grocery stores (not including Target® or Walmart®) on up to $12,000 in the first year

N/A
Rewards
Rewards

5% cash back on up to $1,500 combined in quarterly categories you activate, 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% 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 18 months, and then 14.74% to 24.74% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR 14.99% to 23.74% variable

0% intro APR for 18 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
Learn more
Learn more

Read review

Read review

Compare Chase Freedom Flex℠ vs. Citi Simplicity® Card

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Flexâ„ 
Chase Freedom Flexâ„ 
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores (not including Target® or Walmart®) on up to $12,000 in the first year
5% cash back on up to $1,500 combined in quarterly categories you activate, 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
See offer
View details
Citi Simplicity® Card
Citi Simplicity® Card
N/A
N/A
$0
With an intro APR of 18 months, this card has one of the longest balance transfer offers on the market. Plus, no late fees and no annual fee.
Apply now
View details
loading

Compare up to 4 providers

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site