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Chase Freedom Flex vs Citi Strata Elite Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Freedom FlexChase | Citi Strata Elite CardCiti |
|---|---|---|
| Rating | 4.6/5 | 4.4/5 |
| Annual Fee | $0 | $595 |
| APR | 18.24% - 27.74% | 20.24% - 28.24% |
| Signup Bonus | $200 bonus after spending $500 in 3 months | 75,000 bonus points after spending $6,000 in 3 months |
| Rewards Rate | 5% on rotating quarterly categories (up to $1,500/quarter, activation required), 5% on Chase Travel, 3% on dining & drugstores, 1% on everything else | 10X on hotels, car rentals & attractions via Citi Travel, 5X on flights via Citi Travel, 3X on air travel, restaurants, supermarkets, gas/EV stations, 1X on everything else |
| Credit Score | good | excellent |
| Pros | 5% rotating categories plus 3% on dining and drugstores $0 annual fee with a $200 welcome bonus 0% intro APR for 15 months on purchases and balance transfers | Up to $300 annual hotel credit and $200 annual Splurge Credit 10X on hotels and 5X on flights via Citi Travel Transfer points to 17+ airline and hotel partners |
| Cons | Must activate quarterly categories to earn 5% $1,500 quarterly cap on 5% categories 3% foreign transaction fee | $595 annual fee is steep for the Citi ecosystem New card — still building out lounge and premium perks Fewer transfer partners than Amex or Chase |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Freedom Flex
With a 4.6/5 rating, the Chase Freedom Flex edges out the Citi Strata Elite Card (4.4/5). No annual fee makes it easy to justify. The Chase Freedom Flex combines rotating 5% categories with permanent 3% on dining and drugstores. It's a no-fee powerhouse that pairs with Sapphire cards to unlock travel transfer partners.