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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.

Updated Aug 17, 2021. What changed?

Fact checked

The main difference between the Citi® Double Cash Card and the Chase Sapphire Preferred® Card is that the first card lets you earn up to 2% cash back on all purchases (1% when you buy and 1% when you pay), while the second card comes with elevated rewards categories including 5x points on travel through Chase Ultimate Rewards, 3x points on dining, 2x points on all other travel and 1x points on all other purchases.

The Chase Sapphire Preferred® Card also comes with one of the highest signup bonuses you can find, worth $750 in travel redemption. With the Citi® Double Cash Card‘s 2% cash back, you need to spend almost $62,500 to earn $750 back.

	Citi® Double Cash Card Terms apply, see rates & fees	Chase Sapphire Preferred® Card Terms apply, see rates & fees
Finder rating
Finder rating	★★★★★ 3.8 / 5.0	★★★★★ 4.6 / 5.0
Best for
Best for	Highest unlimited cash back	Travel rewards and a great signup bonus
Welcome offer
Welcome offer	N/A	60,000 points after spending $4,000 in the first 3 months
Rewards
Rewards	Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)	5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel
Purchase APR
Purchase APR	18.24% to 28.24% variable	20.24% to 27.24% variable
Annual fee
Annual fee	$0	$95
Balance transfer APR
Balance transfer APR	0% intro APR for 18 months (then 18.24% to 28.24%) Intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5) variable	20.24% to 27.24% variable
Cash advance
Cash advance	APR: 28.24% variable Fee: $10 or 5% of the transaction, whichever is greater	APR: 29.24% 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 $41	Up to $40
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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Megan Horner

Megan Horner is head of publishing at Finder, where she leads a team that's focused on publishing personal finance guides and reviews that help readers make informed financial decisions. She's passionate about helping you find the best financial accounts to meet your needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been featured on Lifehacker, CreditCards.com, American Banker and news broadcasts across the country. She has a longstanding background in surfacing the best deals and helping people make decisions, including a start as a writer at a comparison website and editing credit card and credit score content at Credit Karma. She earned a degree in English and editing from Brigham Young University.

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