Chase Sapphire Reserve® vs Citi® Double Cash Card | finder.com

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Chase Sapphire Reserve® vs Citi® Double Cash Card

Updated

Fact checked

The winner for everyday rewards: Citi® Double Cash Card

-point

Signup bonus after spending $0 in first days

  • An excellent choice for cash back and balance transfers
  • Market-leading 2% back (1% after buying, 1% after paying)
  • No annual fee
Apply now
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Chase Sapphire Reserve®

Chase Sapphire Reserve®

See rates & fees

Citi® Double Cash Card

Citi® Double Cash Card

See rates & fees

Finder rating
Finder rating

★★★★★

4.6 / 5.0

★★★★★

3.8 / 5.0
Best for
Best for
  • Incredible signup bonus and premium travel perks
  • Highest unlimited cash back
Welcome offer
Welcome offer

50,000 points after spending $4,000 in the first 3 months

N/A

Rewards
Rewards

10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases

Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)

Purchase APR
Purchase APR

16.99% to 23.99% variable

13.99% to 23.99% variable

Annual fee
Annual fee $550 $0
Balance transfer APR
Balance transfer APR 16.99% to 23.99% variable

0% intro APR for 18 months, then 13.99% to 23.99% variable

Cash advance
Cash advance

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None 3% of each transaction
Late payment fee
Late payment fee Up to $39 Up to $40
Additional cardholder fee
Additional cardholder fee $75 $0
Interest-free period
Interest-free period 21 days 23 days
Minimum interest
Minimum interest $0.50
Minimum credit score
Minimum credit score 740 670
Card type
Card type Credit Credit
Learn more
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Compare Chase Sapphire Reserve® vs. Citi® Double Cash Card

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
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