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Citi Premier® Card vs Chase Sapphire Preferred® Card

Choose between raw earning or reward flexibility.

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When it comes to rewards earning, the Citi Premier® Card flexes its muscles over the Chase Sapphire Preferred® Card. The Citi Premier® Card earns 3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else. The Chase Sapphire Preferred® Card on the other hand earns 2x points on travel and dining and 1x points on everything else.

Citi Premier® Card

Citi Premier® Card

Rates & Fees

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Rates & Fees

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finder.com's rating

★★★★★

4.3 / 5.0

★★★★★

4.3 / 5.0
Best for
Best for
  • Rewards on travel and everyday purchases
  • Travel rewards and a great signup bonus
Welcome offer
Welcome offer

60,000 points after spending $4,000 in the first 3 months

80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards

Rewards
Rewards

3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else

5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases

Purchase APR
Purchase APR

15.99% to 23.99% variable

15.99% to 22.99% variable

Annual fee
Annual fee $95 $95
Balance transfer APR
Balance transfer APR 15.99% 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 None 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 740 670
Card type
Card type Credit Credit
Learn more
Learn more

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Summary of card features

Citi Premier® Card

Citi Premier® Card

  • Strong signup bonus
  • Earn accelerated points on dining, groceries, gas, flights and hotels
  • No foreign transaction fees on purchases

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Signup bonus. Earn 80,000 bonus points when you spend $4,000 in your first 3 months when you open your account. That's $1,000 in value when redeemed for travel purchases via the Chase Ultimate Rewards portal.
  • Earn reward points. Every time you use your card toward travel and dining purchases, you earn 2x points. All other purchases earn 1x points.
  • Point transfer. You can transfer your points in 1:1 ratio with Chase's hotel and airline partners, including British Airways, Air France KLM, Korean Air, Singapore Airlines, Southwest Airlines, United Airlines, Virgin Atlantic, IHG, Marriott and World of Hyatt.

Compare credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Everyday® Card from American Express
$200 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
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
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
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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Compare Chase credit cards

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