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Chase Freedom Flex℠ vs Citi Simplicity® Card

One cashback card and one card with fewer fees.

The winner: Chase Freedom Flex℠

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
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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℠

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% 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
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Read review

Compare Chase Freedom Flex℠ vs. Citi Simplicity® Card

Name Product Welcome offer Rewards Annual fee Filter values
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.
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.
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