Chase Freedom Flex℠ vs Citi® / AAdvantage® MileUp®
Side-by-side comparison
| Chase Freedom Flex℠ | Citi® / AAdvantage® MileUp® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 cash bonus | 15,000 American Airlines AAdvantage® miles after $500 in 3 months |
| Dining | 3x | 1x |
| Groceries | 1x | 2x |
| Gas | 1x | 1x |
| Travel | 1x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $361 | $352 |
| Points type | Pools with Chase → transferable | Locked to American Airlines AAdvantage |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Chase Freedom Flex℠ earns about $361 a year in rewards and the Citi® / AAdvantage® MileUp® about $352, valuing every point at a flat 1 cent. The Chase Freedom Flex℠ has no annual fee, so its rewards are all profit. The Citi® / AAdvantage® MileUp® has no annual fee, so its rewards are all profit. The two are close on value, but the Chase Freedom Flex℠ edges ahead by about $10 a year, mostly because it earns more where you spend most, on dining. The bigger difference is the ceiling: the Chase Freedom Flex℠ earns points you can move to travel partners for outsized value, while the Citi® / AAdvantage® MileUp® stays locked to a single airline or hotel program. Favor the Chase Freedom Flex℠ if you will use travel transfers, the Citi® / AAdvantage® MileUp® if you want simplicity. On the sign-up bonus, the Chase Freedom Flex℠ currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Chase Freedom Flex℠ if your spending leans toward dining. Pick the Citi® / AAdvantage® MileUp® if your spending leans toward groceries.