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Citi® Double Cash Card vs. Chase Sapphire Preferred® Card

One is a solid cashback card and the other is an excellent travel credit card.

The winner: Chase Sapphire Preferred® Card

Up to 5%

Cash back

  • Signup bonus worth $1,000 with Chase Ultimate Rewards
  • 1:1 point transfer to partner hotels and airlines
  • Up to $50 statement credit towards groceries
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The main difference between the Citi® Double Cash Card and the Chase Sapphire Preferred® Card is that the first card lets you earn 2% cash back on all purchases, while the second card comes with 2x points on travel and dining purchases and 1x points on everything else.

However, the Chase Sapphire Preferred® Card comes with one of the highest signup bonuses you can find, worth $1,000 in travel redemption. With the Citi® Double Cash Card‘s 2% cash back, you need to spend almost $38,000 to earn $1,000 back.

Citi® Double Cash Card

Citi® Double Cash Card

Terms apply, see rates & fees

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

3.8 / 5.0

★★★★★

4.3 / 5.0
Best for
Best for
  • Highest unlimited cash back
  • Travel rewards and a great signup bonus
Welcome offer
Welcome offer

N/A

80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries

Rewards
Rewards

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

5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases

Purchase APR
Purchase APR

13.99% to 23.99% variable

15.99% to 22.99% variable

Annual fee
Annual fee $0 $95
Balance transfer APR
Balance transfer APR

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

15.99% to 22.99% variable
Cash advance
Cash advance

APR: 25.24% variable

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

APR: 24.99% variable

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

Foreign transaction fee
Foreign transaction fee 3% of each transaction None
Late payment fee
Late payment fee Up to $40 Up to $39
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 23 days 21 days
Minimum interest
Minimum interest $0.50 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Read review

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Compare Citi® Double Cash Card vs. Chase Sapphire Preferred® Card

Name Product Welcome offer Rewards Annual fee Filter values
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.
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries
5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $1,000 plus up to $50 statement credit towards groceries with this popular travel card.
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