Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Citi Prestige® Credit Card vs. Chase Sapphire Reserve®

Two premium credit cards for travel enthusiasts.

Updated . What changed?

Fact checked
Please note: Citi is an advertising partner of finder.com

The Citi Prestige® Credit Card and the Chase Sapphire Reserve® are high-end travel options. The main difference between the two is the rewards rate you get on travel and dining purchases. With the Citi Prestige® Credit Card, you earn 5x points on airfare and restaurants, and 3x points on hotels and cruises, while the Chase Sapphire Reserve® earns 3x points on travel and dining purchases.

However, the travel category under Chase includes a huge variety of purchases, such as airfare, hotels, car rentals, homestays, trains, busses and more. And the cool thing is these 3x points can be worth 4.5x if you redeem them through the Chase Ultimate Rewards program.

Citi Prestige® Credit Card

Citi Prestige® Credit Card

Rates & Fees

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

3.4 / 5.0

★★★★★

4.6 / 5.0
Best for
Best for
  • Travel credits and strong rewards rates
  • Incredible signup bonus and premium travel perks
Welcome offer
Welcome offer

50,000 points after spending $4,000 in the first 3 months

50,000 points after spending $4,000 in the first 3 months

Rewards
Rewards

5x points on flights and dining, 3x points on hotels and cruises and 1x points on all other purchases

10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases

Purchase APR
Purchase APR

16.99% to 23.99% variable

16.99% to 23.99% variable

Annual fee
Annual fee $495 $550
Balance transfer APR
Balance transfer APR 16.99% to 23.99% variable

16.99% to 23.99% 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 $75 $75
Interest-free period
Interest-free period 23 days 21 days
Minimum interest
Minimum interest $0.50
Minimum credit score
Minimum credit score 670 740
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Summary of card features

Citi Prestige® Credit Card

Citi Prestige® Credit Card

  • Signup bonus. 50,000 bonus points after spending $4,000 in the first 3 months of account opening. Reward points. 5x points on air travel and restaurants, 3x points on hotels and cruises and 1x points on all other purchases.
  • Complimentary fourth night. Book four consecutive nights at a hotel through ThankYou.com and get a complimentary fourth night stay twice every year.
  • Annual travel credit. Get up to $250 travel credit every calendar year.
  • VIP lounge access. Priority Pass Select lounge access to hundreds of VIP lounges.

Chase Sapphire Reserve®

Chase Sapphire Reserve®

  • Signup bonus. Earn 50,000 bonus points when you spend $4,000 in your first 3 months of card membership. This is worth $750 if you redeem through the Chase Ultimate Rewards travel portal.
  • Earn rewards points. Earn 3x points on travel and dining at restaurants worldwide and 1x points on all other purchases. The 3x points can be worth 4.5% back if redeemed on travel purchases through the Chase Ultimate Rewards. You also earn 10x points on Lyft purchases until March 2022. This can be worth up to 15% back in travel purchases via the Chase Ultimate Rewards portal.
  • Annual travel credit. Get $300 in statement credit as reimbursement for your travel purchases every year on your card account anniversary.

Best for signup bonus: Chase Sapphire Reserve®

Even though both cards let you earn 50,000 bonus points when you spend $4,000 in your first 3 months of card membership, the redemption value of those points differs.

You can get a 50,000 redemption value for 50,000 points with the Citi Prestige® Credit Card, while with the Chase Sapphire Reserve® you can get $750 value when you redeem for travel purchases via the Ultimate Rewards program. With a 50% higher signup bonus value, the Chase Sapphire Reserve® is the better card for this perk.

Best for reward points: Chase Sapphire Reserve®

This is one of the features where both cards have a similar value. However, the Chase Sapphire Reserve® edges slightly higher. Here’s why:

  • Citi Prestige. With this card, you earn 5x points on airfare and restaurants, 3x points on hotels and cruise lines and 1x points on all other purchases.
  • Chase Sapphire Reserve®. With this card, you earn 3x points on travel purchases — airlines, hotels, motels, timeshares, car rental, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages — 3x points at restaurants, 10x points on Lyft purchases until March 2022, and 1x points on everything else.

The Chase Sapphire Reserve® is the winner in the reward category, not only because you get to earn 3x points on more categories than you could earn with the Citi Prestige card, but because the 3x points can actually be worth 4.5x when you redeem for travel purchases through the Ultimate Rewards program. The only advantage the Citi Prestige card has is the 5x points on airfare and restaurants.

Best for hotel perks: Citi Prestige® Credit Card

As premium travel cards, both of these options come with hotel perks. But in this case, the Citi Prestige has the better perk. With this card, you get a complimentary fourth night at a hotel of your choice. But you have to book your hotel through ThankYou.com and you have to stay a minimum of four consecutive nights. You can earn the complimentary fourth night twice every year.

The Chase Sapphire Reserve® only offers benefits at the Luxury Hotel & Resort Collection. This includes complimentary room upgrades, early check-in and late check-out. As far as value goes, this is not a match for the Citi’s complimentary fourth-night perk.

Other perks: Chase Sapphire Reserve®

Being similar high-end travel credit cards, you can expect similar perks. But once again, the Chase Sapphire Reserve® offers slightly more in the form of travel protections and benefits. Of course, it’s best that you never use these perks, but if an unfortunate event occurs, you’ll be better covered with the Chase card.

Chase Sapphire Reserve®Citi Prestige
Statement credit$300 travel credit each year$250 travel credit each year (supermarket and restaurant purchases count toward the credit until December 2020)

An additional $145 each year if you’re a Citigold member (have at least an average monthly balance of $200,000 in linked deposit, retirement and investment accounts) for a $395 total

Global Entry or TSA PreCheck application fee credit$100 every four years$100 every five years
Points transfer partners
  • Aer Lingus AerClub
  • Air France KLM Flying Blue
  • British Airways Executive Club/Avios
  • Emirates Skywards
  • Iberia Airlines Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United Airlines MileagePlus
  • Virgin Atlantic Flying Club
  • IHG Rewards Club
  • Marriott Bonvoy
  • World of Hyatt
  • Aeromexico
  • Cathay Pacific
  • Avianca
  • Emirates
  • Etihad
  • EVA Air
  • Air France
  • KLM
  • JetBlue
  • Malaysia Airlines
  • Qantas
  • Qatar Airways
  • Singapore Airlines
  • Thai Airways
  • Turkish Airlines
  • Virgin Atlantic
Purchase and travel protection
  • Purchase protection
  • Return protection
  • Extended warranty protection
  • Trip cancellation and interruption insurance
  • Auto rental collision damage waiver
  • Lost luggage reimbursement
  • Trip delay reimbursement
  • Emergency evacuation and transportation
  • Cell phone protection
  • Purchase protection
  • Extended warranty

Who should get the Chase Sapphire Reserve® card?

Between the Chase Sapphire Reserve® and the Citi Prestige® Credit Card, the first is a slightly better card. But raw numbers often aren’t enough to decide between the cards. The Sapphire Reserve is a better choice for anyone looking to get a higher rewards value on travel purchases, and for those who want to step in the Chase Ultimate Rewards ecosystem. And if you combine your cards in a Chase trifecta, you can get a powerful rewards-earning combo.

Who should get the Citi Prestige® Credit Card?

The Citi Prestige® Credit Card could be a better choice for travelers looking to utilize points transfer partners. The Citi ThankYou Rewards program offers more foreign carriers and fewer popular US travel programs. This would be a benefit if you frequently travel abroad, but will likely leave the program less valuable for many US travelers.

Bottom line

These premium travel rewards cards could be a good choice for someone who can manage the annual fee and is looking to get luxury travel perks. For most consumers, the Chase Sapphire Reserve® will prove the safest bet. But if you’re travel savvy and enjoy Citi’s lineup of travel partners, the Citi Prestige® Credit Card can also offer a solid value.

If neither credit card jumps out at you, continue searching for a rewards credit card with a range of capabilities suited more toward your lifestyle.

Compare travel credit cards

Want a better look at your travel card options? Select your credit score below and click Show cards to start a side-by-side comparison.

Name Product Welcome offer Rewards Annual fee Filter values
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.
American Express® Gold Card
35,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $350 with this upper-mid tier travel card. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Hilton Honors American Express Card
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees
Luxury Card Mastercard® Titanium Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
loading

Compare up to 4 providers

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site