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Citi Prestige® Credit Card vs. Chase Sapphire Reserve®

Which of these two exclusive travel cards is best for you?

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The information about Citi Prestige® Credit Card has been collected independently by Finder and and has not been reviewed or provided by the issuer. Please note: Citi is an advertising partner of finder.com

The Chase Sapphire Reserve® has a slightly lower $550 annual fee than the Citi Prestige® Credit Card‘s $495 annual fee. It also has a better $300 annual travel credit than the $250 credit you’ll find with its competitor. However, Citi’s card offers a much superior 5x points on air travel and restaurants versus the 3x points you’ll earn on travel and dining with Chase’s card after earning your annual travel credit.

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

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Which card should you choose?

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.

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®

  • 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.

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
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.
The World of Hyatt Credit Card
25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months
9x points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
$95
Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
Luxury Card Mastercard® Black Card™
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.
United℠ Explorer Card
40,000 miles after spending $2,000 in the first 3 months
2x miles at restaurants, hotels and United and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
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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.

 

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