Citi Prestige Card vs. Chase Sapphire Reserve | finder.com

Citi Prestige® Card vs. Chase Sapphire Reserve®

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Compare every detail of these two exclusive travel rewards credit cards to decide which is best for you.

Do equal annual fees put the Citi Prestige® Card and Chase Sapphire Reserve® on level playing ground for cardholders? Well, that depends on your spending habits and what perks you want to keep in your wallet.

While both of these high-end travel cards come with a $450 annual fee, you’ll sweep up more rewards when spending on entertainment with the Citi Prestige® Card. However, you’ll get better travel perks and a larger signup bonus with the Chase Sapphire Reserve®.

Citi Prestige® Card

Citi Prestige® Card

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Welcome bonus None 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
Rewards

Earn 3x points on air travel and hotels, 2x points on dining and entertainment and 1x points on all other purchases.

Earn 3x points on travel and dining, and 1x points on all other purchases.

Purchase APR (annual percentage rate)

17.49% to 25.49% variable

17.74% to 24.74% variable

Annual fee $450 $450
Balance transfers

APR: 17.49% to 25.49% variable

Fee: $5 or 3% of the transaction, whichever is greater

APR: 17.74% to 24.74% variable

Fee: $5 or 5% of the transaction, whichever is greater

Cash advance

APR: 26.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 26.74% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee None None
Late payment fee $35 $37
Additional cardholder fee $0 $75
Interest-free period 23 days 21 days
Minimum interest $0.5 $0
Minimum credit score 740 720
Card type Credit Credit
Learn more

Which card should you choose?

Citi Prestige® Card

Citi Prestige® Card

  • 24/7 concierge service
  • $100 credit for Global Entry
  • Annual $250 air travel credit

When you travel with the Citi Prestige® Card, you can rack up 3x ThankYou® points on airfare and hotels. You also get travel protection when you're on the road — that includes worldwide car rental insurance, medical evacuation help and worldwide travel accident insurance. Then there's the flexibility to transfer points to over a dozen airlines at a 1:1 ratio. And when you book a hotel stay through ThankYou.com or the Citi Prestige® Concierge, you'll get a fourth night on the house.

Chase Sapphire Reserve®

Chase Sapphire Reserve®

  • Rewards for spending on travel and dining
  • 50% extra point value when redeemed through Chase Ultimate Rewards
  • $300 annual travel credit

When you've got the Chase Sapphire Reserve®, you can wait around for your next flight in style with complimentary Priority Pass Select — that means access to over 1,000 airport lounges worldwide. And if you spend $4,000 in the first 3 months of card membership, you'll earn 50,000 bonus points. You should note that those points are worth 50% more when you redeem them through Chase Ultimate Rewards. You'll also get {{ REWARDS.REWARDS_POINTS_VALUE_DINING }}x points on dining purchases, which the Citi Prestige® can't match.

What’s next?

These two premium travel rewards cards could be a fine credit companion for someone who can manage the annual fee and is looking to get luxury travel perks for their spending. If a bell went off in your head when reading about either the Citi Prestige® Card or the Chase Sapphire Reserve®, you can apply today online.

With that said, neither credit card may have jumped out at you. No worries, just continue searching for a credit card with a range of capabilities suited more toward your lifestyle — here are a few more.

Updated September 21st, 2018
Name Product Welcome Bonus Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
1.5 points
14.74%, 18.74% or 24.74% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
1 points
16.74% variable
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1 points
16.74% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
2 points
16.74% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
Earn 15,000 points after spending $1,000 in the first 3 months
1 points
14.74% to 24.74% variable
$95
15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
Earn 10,000 points after spending $1,000 in the first 3 months
1 points
14.74% to 25.74% variable
$0
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Earn 150 cash back after spending $1,000 in the first 3 months
1% cash back
14.74% to 25.74% variable
$0
Snag a $150 bonus statement credit after you spend $1,000 in the first 3 months
Earn 200 cash back after spending $1,000 in the first 3 months
1% cash back
14.74% to 25.74% variable
$95
Earn $200 bonus cash back after you spend $1,000 in the first 3 months
Earn 150 cash back after spending $500 in the first 3 months
1.5% cash back
16.74% to 25.49% variable
$0
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.

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