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Chase Freedom Flex℠ vs Citi Simplicity® Card

One cashback card and one card with fewer fees.

Megan Horner
Megan Horner

Updated

Fact checked

The winner: Chase Freedom Flex℠

Chase Freedom Flex℠ 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
Apply now
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 Flex℠

Chase Freedom Flex℠

Rates & Fees

Citi Simplicity® Card

Citi Simplicity® Card

Rates & Fees
finder.com's rating
finder.com's 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% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 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

Summary of card features

Chase Freedom Flex℠

Chase Freedom Flex℠

  • 5% back in rotating categories on up to $1,500 quarterly, then 1%
  • 5% on travel purchased through Chase
  • 3% on dining and drugstores
  • 1% on all other purchases
  • Intro APR on purchases

Citi Simplicity® Card

Citi Simplicity® Card

  • Intro APR period on balance transfers. For transfers made within the first 4 months of your account opening, get a 0% intro APR period for 18 months. After that, your rate will be from 14.74% to 24.74% variable.
  • Intro APR period on purchases. You also get a 0% intro APR period on all purchases made within the first 18 months of card membership. A variable APR of 14.74% to 24.74% applies thereafter.
  • No penalty APR and no late fees. Don’t worry if you make a late payment — you won’t pay any fee for being late and you won’t accrue a penalty APR, which is known to be up to 32% with other cards.

Compare Chase Freedom Flex℠ vs. Citi Simplicity® Card

Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Flex℠
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 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.
Apply now
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. All information about this card has been collected independently by Finder.
View details
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