Head to head 
Chase Freedom Flex vs. Citi Double Cash Card
On the criteria below, Chase Freedom Flex wins 1 of 4. The verdict depends on which criteria matter to you.
Chase Freedom Flex
Chase
Citi Double Cash Card
Citi
At a glance
Chase Freedom Flex wins 1 of 4 criteria here, making it the stronger all-rounder.
Chase Freedom Flex leads on travel insurance, while Citi Double Cash Card only ties the rest.
Who wins what
1 vs 0 (3 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
- Travel insurance Chase Freedom Flex
Chase Freedom Flex carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- $200
- First-year net
- +$200
- +$200
- Peak earning rate
- 5×
- 5×
- Top categories
- Rotating Quarterly, Chase Travel, Dining
- Travel Portal
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- Chase Ultimate Rewards
- Citi ThankYou Points
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.