Citi Prestige® Credit Card vs. Chase Sapphire Reserve®

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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® Credit 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® Credit Card. However, you’ll get better travel perks and a larger signup bonus with the Chase Sapphire Reserve®.

Citi Prestige® Credit Card

Citi Prestige® Credit Card

Chase Sapphire Reserve®

Chase Sapphire Reserve®

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

★★★★★

3.4 / 5.0

★★★★★

4.6 / 5.0
Best for
Best for N/A
  • 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

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

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

17.49% to 25.49% variable

18.99% to 25.99% variable

Annual fee
Annual fee $495 $450
Balance transfers
Balance transfers APR: 17.49% to 25.49% variable

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

APR: 18.99% to 25.99% variable

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

Cash advance
Cash advance

APR: 26.99% variable

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

APR: 26.99% 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 $39 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
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Read review

Which card should you choose?

Citi Prestige® Credit Card

Citi Prestige® Credit Card

  • VIP lounge access
  • Easy points transfer to certain airline loyalty programs
  • Up to $250 annual travel credit

When you travel with the Citi Prestige® Credit Card, you can rack up 5x 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®

  • Incredible signup bonus
  • Rewards for spending on travel and dining
  • Extra point value when redeeming through Chase Ultimate Rewards
  • 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 on purchases in the first 3 months of card membership, you'll earn 50,000 bonus points.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
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
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
60,000 miles after spending $2,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 60,000 miles after spending $2,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
50,000 bonus miles after spending $3,000 in the first 3 months
2x miles on all purchases and 10x miles at hotels.com/venture
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.

Compare up to 4 providers

Bottom line

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® Credit 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 rewards credit card with a range of capabilities suited more toward your lifestyle.

Was this content helpful to you? No  Yes

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 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