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CardCurator — Rewards Intelligence
Card Comparison

Chase Freedom Flex vs Citi Simplicity

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Chase Freedom Flex card art
Chase Ultimate Rewards
Chase Freedom Flex
Chase
More Info
Citi Simplicity card art
Citi ThankYou Points
Citi Simplicity
Citi
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
3%
Signup Bonus
20,000 points
Spend $500 in 3 months
None
Top Earn Rates
  • Chase Travel 5x
  • Rotating Categories 5x
  • Dining 3x
1x base rate
Reward Type
miles
cashback
Key Credits
None
None
Transfer Partners
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
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Common Questions: Chase Freedom Flex vs Citi Simplicity

Is the Chase Freedom Flex or Citi Simplicity better for dining?

Chase Freedom Flex earns 3x on dining; Citi Simplicity has no dining bonus.

Which has the higher signup bonus in 2026?

Chase Freedom Flex currently offers 20,000 pts signup bonus (spend $500 in 3 months). Citi Simplicity offers no current bonus. Chase Freedom Flex has the larger bonus.

Which card is better for international travel?

Chase Freedom Flex charges no foreign transaction fees — the better pick for international use. Citi Simplicity charges 3% on foreign purchases.

Can I hold both the Chase Freedom Flex and the Citi Simplicity?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Freedom Flex is from Chase and Citi Simplicity is from Citi, so they're governed by separate bank policies.