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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.

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Megan Horner
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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 up to 2% cash back on all purchases, 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

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

★★★★★

4.6 / 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 points on travel through Chase Ultimate Rewards, 3x points on dining and 2x points on all other travel 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 $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
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Learn more

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