Custom Cash vs Freedom Flex

Updated September 24, 2026 · from RightCard's verified card and merchant data

Citi Custom Cash earns more in 7 of 9 categories (supermarkets, gas stations, travel, online shopping), Chase Freedom Flex in 2, with 0 tied. Custom Cash: no annual fee. Freedom Flex: no annual fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Every category, side by side

Published everyday rates. For points cards the value in brackets uses our conservative travel estimate; as cash, points are worth 1¢. No welcome bonuses, no limited-time offers.

Category	Custom Cash	Freedom Flex	Wins
Restaurants	1x points (1.6¢)	3%	Freedom Flex
Supermarkets	1x points (1.6¢)	1%	Custom Cash
Gas stations	1x points (1.6¢)	1%	Custom Cash
Travel	1x points (1.6¢)	1%	Custom Cash
Online shopping	1x points (1.6¢)	1%	Custom Cash
Drugstores	1x points (1.6¢)	3%	Freedom Flex
Transit & rideshare	1x points (1.6¢)	1%	Custom Cash
Streaming	1x points (1.6¢)	1%	Custom Cash
Everything else	1x points (1.6¢)	1%	Custom Cash

Point values: Custom Cash: Citi ThankYou Points at 1.6¢ toward travel. Cash out and most points are worth 1¢ or less.

This quarter: Chase Freedom Flex earns 5% on gas through Sep 30 after activation. Rotating windows are not in the table above.

This quarter: Chase Freedom Flex earns 5% on transit through Sep 30 after activation. Rotating windows are not in the table above.

Fee and credits

Card	Annual fee	Statement credits	Credits, face value
Custom Cash	no annual fee	none verified	—
Freedom Flex	no annual fee	none verified	—

Credits count only if you would spend there anyway. Tick the ones you would use and get each card's fee verdict →

Carrying both

Together they cover 9 of 9 categories above the other card's rate. See the pair as one wallet, then add the rest of your cards.

Citi Custom Cash in full → · Chase Freedom Flex in full →

How RightCard handles this: add both cards and the app picks between them at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

Get RightCard on the App Store

FAQ

Custom Cash or Freedom Flex: which earns more?

Citi Custom Cash earns more in 7 of 9 categories (supermarkets, gas stations, travel, online shopping), Chase Freedom Flex in 2, with 0 tied. Custom Cash: no annual fee. Freedom Flex: no annual fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Which has the lower annual fee, Custom Cash or Freedom Flex?

Custom Cash: no annual fee. Freedom Flex: no annual fee.

Should I get both?

Only if each wins a category you spend in. Together they lead in 9 of 9 categories; the rate-my-wallet tool shows the pair as one wallet.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: All comparisons · Rate my wallet · Every verified card