Which card earns more rewards, the Chase Freedom Flex or Citi Double Cash Card?

The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

What benefits does the Chase Freedom Flex have that the Citi Double Cash Card doesn't?

The Chase Freedom Flex offers dining credits. The Citi Double Cash Card focuses more on earn rates than premium perks.

Should I get the Chase Freedom Flex or the Citi Double Cash Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Chase Freedom Flex vs Citi Double Cash Card

Both cards cost $0/yr. The Chase Freedom Flex leads on rotating quarterly; the Citi Double Cash Card on hotels.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Chase Freedom Flex Chase · No annual fee	Citi Double Cash Card Citi · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	$250 cash back	$200 cash back
Rewards	Cash back	Cash back
Foreign transaction fee	None Lowest	3%
Network	Mastercard World Elite	Mastercard
Earn ratesPer $1 spent
Rotating Quarterly	5% Highest	2%
Dining	3% Highest	2%
Drugstores	3% Highest	2%
Everything else	1%	2% Highest
Statement creditsAs the issuer states them · — means none on record
Dining & delivery	DoorDash DashPass DoorDash DashPass · $60 one-time	—
Perks & access— means none on record
Other perks	No foreign transaction fees on purchases worldwide 24/7 roadside assistance for towing and emergencies 24/7 travel assistance anywhere in the world	Early access to concerts, sports, and theater tickets Tap to pay with contactless and digital wallets Pay no interest on balance transfers for 18 months No annual fee ever on this card
Protections & insuranceLimits where published · — means none on record
Trip insurance	Up to $6,000 trip cancellation and interruption coverage	—
Rental car	Secondary rental coverage when you skip the counter option	—
Purchase & returns	24/7 fraud monitoring Credit Journey Up to $500 protection for damaged or stolen purchases	Zero Liability on unauthorized transactions
Extended warranty	Add an extra year to manufacturer warranties	Extended warranty (secondary coverage)
Other protections	24/7 lost/stolen card assistance worldwide	Check your FICO score free every month 24/7 fraud monitoring with zero liability protection Free help resolving identity theft issues Quick card replacement if your wallet is lost or stolen Free identity monitoring service from Mastercard network Create virtual card numbers for safer online shopping Show 1 more 24/7 lost/stolen card assistance worldwide
Pros & cons
Pros	5% on rotating categories up to $1,500/quarter when activated 3% on dining and drugstores with no annual cap 5X on Chase Travel portal purchases $0 annual fee with Mastercard World Elite benefits No foreign transaction fees (new for 2026)	2% flat rate on all purchases with no caps No annual fee 0% intro APR for 18 months on balance transfers Simple earning structure - no tracking categories Points can combine with other Citi ThankYou cards
Cons	Must activate quarterly categories or miss 5% bonus $1,500 quarterly cap on 5% categories ($300 max bonus/quarter) Points worth only 1 cent without Sapphire card pairing Welcome bonus lower than Sapphire cards	3% foreign transaction fee Must pay bill to earn second 1% cash back No travel insurance or trip protection Relatively modest $200 welcome bonus No bonus categories for high spenders
	Card details	Card details

Chase Freedom Flex
Chase · No annual fee
Citi Double Cash Card
Citi · No annual fee

Overview

Annual fee: Chase Freedom Flex
$0
Citi Double Cash Card
$0
Welcome offerCurrent public offer: Chase Freedom Flex
$250 cash back
Citi Double Cash Card
$200 cash back
Rewards: Chase Freedom Flex
Cash back
Citi Double Cash Card
Cash back
Foreign transaction fee: Chase Freedom Flex
None
Lowest
Citi Double Cash Card
3%
Network: Chase Freedom Flex
Mastercard World Elite
Citi Double Cash Card
Mastercard

Earn ratesPer $1 spent

Rotating Quarterly: Chase Freedom Flex
5%
Highest
Citi Double Cash Card
2%
Dining: Chase Freedom Flex
3%
Highest
Citi Double Cash Card
2%
Drugstores: Chase Freedom Flex
3%
Highest
Citi Double Cash Card
2%
Everything else: Chase Freedom Flex
1%
Citi Double Cash Card
2%
Highest

Statement creditsAs the issuer states them · — means none on record

Dining & delivery: Chase Freedom Flex
DoorDash DashPass
DoorDash DashPass · $60 one-time
Citi Double Cash Card
—

Perks & access— means none on record

Other perks: Chase Freedom Flex
No foreign transaction fees on purchases worldwide
24/7 roadside assistance for towing and emergencies
24/7 travel assistance anywhere in the world
Citi Double Cash Card
Early access to concerts, sports, and theater tickets
Tap to pay with contactless and digital wallets
Pay no interest on balance transfers for 18 months
No annual fee ever on this card

Protections & insuranceLimits where published · — means none on record

Trip insurance: Chase Freedom Flex
Up to $6,000 trip cancellation and interruption coverage
Citi Double Cash Card
—
Rental car: Chase Freedom Flex
Secondary rental coverage when you skip the counter option
Citi Double Cash Card
—
Purchase & returns: Chase Freedom Flex
24/7 fraud monitoring
Credit Journey
Up to $500 protection for damaged or stolen purchases
Citi Double Cash Card
Zero Liability on unauthorized transactions
Extended warranty: Chase Freedom Flex
Add an extra year to manufacturer warranties
Citi Double Cash Card
Extended warranty (secondary coverage)
Other protections: Chase Freedom Flex
24/7 lost/stolen card assistance worldwide
Citi Double Cash Card
Check your FICO score free every month
24/7 fraud monitoring with zero liability protection
Free help resolving identity theft issues
Quick card replacement if your wallet is lost or stolen
Free identity monitoring service from Mastercard network
Create virtual card numbers for safer online shopping
Show 1 more
24/7 lost/stolen card assistance worldwide

Pros & cons

Pros: Chase Freedom Flex
5% on rotating categories up to $1,500/quarter when activated
3% on dining and drugstores with no annual cap
5X on Chase Travel portal purchases
$0 annual fee with Mastercard World Elite benefits
No foreign transaction fees (new for 2026)
Citi Double Cash Card
2% flat rate on all purchases with no caps
No annual fee
0% intro APR for 18 months on balance transfers
Simple earning structure - no tracking categories
Points can combine with other Citi ThankYou cards
Cons: Chase Freedom Flex
Must activate quarterly categories or miss 5% bonus
$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
Points worth only 1 cent without Sapphire card pairing
Welcome bonus lower than Sapphire cards
Citi Double Cash Card
3% foreign transaction fee
Must pay bill to earn second 1% cash back
No travel insurance or trip protection
Relatively modest $200 welcome bonus
No bonus categories for high spenders

Card details

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Category-by-Category Winner

The Citi Double Cash Card wins in 4 of 6 categories. The Chase Freedom Flex leads in 2. 2 more categories depend on booking channel or caps.

Rotating Quarterly

Depends: up to $1,500/quarter; Must activate each quarter before deadline

Chase Freedom Flex earns 5X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)

Travel

Depends: via issuer travel portal

Chase Freedom Flex earns 5X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)

Dining

Chase Freedom Flex earns 3X vs 2X

Drugstores

Chase Freedom Flex earns 3X vs 2X

Hotels

Citi Double Cash Card earns 5X vs 1X

5X via issuer travel portal

Car Rentals

Citi Double Cash Card earns 5X vs 1X

5X via issuer travel portal

Attractions

Citi Double Cash Card earns 5X vs 1X

5X via issuer travel portal

Everyday purchases

Citi Double Cash Card earns 2X on all other spending vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Modeled value is close across spend levels — especially once statement credits are counted.

Scenario	Chase Freedom Flex	Citi Double Cash Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $281 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $301 Year one: $581	Rewards: $384 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $384 Year one: $584	Citi Double Cash Card	Close — depends on how much of the credits you use
Heavy spender: $4,000/month	Rewards: $1,123 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $1,143 Year one: $1,423	Rewards: $1,536 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,536 Year one: $1,736	Citi Double Cash Card	Citi Double Cash Card

Which Card Is Right for You?

Get the Chase Freedom Flex if you:

+Spend $300+/month on restaurants and dining out

Get the Citi Double Cash Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

Modeled value is close across spend levels — especially once statement credits are counted.

Everyday (non-bonus) spend earns 2X on the Citi Double Cash Card vs 1X on the other card.

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Flex or Citi Double Cash Card?: The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the Chase Freedom Flex have that the Citi Double Cash Card doesn't?: The Chase Freedom Flex offers dining credits. The Citi Double Cash Card focuses more on earn rates than premium perks.
Should I get the Chase Freedom Flex or the Citi Double Cash Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: Chase cards · Citi cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.