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Citi Premier® Card vs Chase Sapphire Preferred® Card

Choose between raw earning or reward flexibility.

The winner: Chase Sapphire Preferred® Card

Up to 5x

Points

  • Massive signup bonus worth $1,250 with Chase Ultimate Rewards
  • 1:1 point transfer to partner hotels and airlines
  • Earn up to 5x points
Apply now
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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

Terms apply, see rates & fees

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms apply, see rates & fees

Finder rating
Finder 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

80,000 points after spending $4,000 in the first 3 months

100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem 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 $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

Read review

Compare Citi Premier® Card vs. Chase Sapphire Preferred® Card

Name Product Welcome offer Rewards Annual fee Filter values
Citi Premier® Card
80,000 points after spending $4,000 in the first 3 months
3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else
$95
Earn 80,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
Chase Sapphire Preferred® Card
100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem through Chase Ultimate Rewards®
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95

Up to $1,250 signup bonus

Earn a massive signup bonus of 100,000 points with this popular travel card. That's worth up to $1,250!
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