| Category | Custom Cash | Freedom Flex |
|---|---|---|
| Annual Fee | $0 | $0 |
| Signup Bonus | $200 cash back | $200 cash back |
| Base Earning Rate | 1.0X | 1.0X |
| Card Network | N/A | N/A |
| Reward Type | points | points |
Winner by Category
Annual Fees
Custom Cash
Lower annual fee ($0 vs $0)
Rewards Earning
Freedom Flex
5 earning categories
Benefits & Protection
Freedom Flex
5 benefits vs 2
Flexibility
Tie
Both cards have similar redemption flexibility
The Verdict: It's a Tie
Both Custom Cash and Freedom Flex are excellent cards, each with unique strengths. Your choice depends on your spending patterns and priorities.
Choose Custom Cash if...
- You value the specific benefits this card offers
- You prefer this card's reward structure
Choose Freedom Flex if...
- You value the specific benefits this card offers
- You prefer this card's reward structure
Rewards Earning: Detailed Comparison
Custom Cash
| Top eligible category each billing cycle | 5.0X (up to $500) |
| Everything else | 1.0X |
Freedom Flex
| Quarterly 5% Categories | 5.0X (up to $1,500) |
| Chase Travel purchases | 5.0X |
| Dining including takeout and delivery | 3.0X |
| Drugstore purchases | 3.0X |
| All other purchases | 1.0X |
Card Benefits: Detailed Comparison
Custom Cash (2 benefits)
- Citi Purchase Protection (up to $1,000)
- Extended Warranty
Freedom Flex (5 benefits)
- Trip Cancellation/Interruption Insurance (up to $1,500)
- Auto Rental Coverage (Secondary)
- Purchase Protection (up to $500)
- Extended Warranty Protection
- Cell Phone Protection (up to $800)