Side-by-side comparison
Freedom Flex vs Custom Cash
Basics
Annual fee
No annual fee
No annual fee
Rewards type
Chase Ultimate Rewards
Citi ThankYou Points
Annual credits
—
—
Net cost (fee − credits)
$0/yr
$0/yr
Earning rates
All other spending
1x
1x
Travel
5x
—
Dining
3x
—
Drugstores
3x
—
Which card should you pick?
Both the Freedom Flex and Custom Cash have no annual fee, so the decision comes down to earning rates and where you spend the most.
The Freedom Flex stands out with 5x on travel. Pick the card that matches where you spend the most each month.
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