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Citi Prestige® Credit Card vs. Chase Sapphire Reserve®

Two premium credit cards for travel enthusiasts.

Our pick: Chase Sapphire Reserve®

60,000-point

Signup bonus after spending $4,000 in first 3 months

  • Not just for travel: Get DoorDash perks,10x points on Lyft and 3x on dining
  • Signup bonus worth $900 with Chase Ultimate Rewards
  • $300 annual travel credit
Apply now
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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

Terms apply, see rates & fees

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Terms apply, see rates & fees

Finder rating
Finder 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
Now, through December 2021, supermarket and restaurant packages will also count towards the $250 Travel Credit

60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards.

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 740 740
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Best for signup bonus: Chase Sapphire Reserve®

Both the Citi Prestige® Credit Card and the Chase Sapphire Reserve® offer a strong signup bonus. However, you’ll find different redemption value, depending on what you go for.

Citi Prestige® Credit Card: Earn 50,000 bonus points when you spend $4,000 in your first 3 months of card membership.

The value of points depends on what you redeem them for, meaning it can range from 0.5 cents per point to 1 cent per point. With a value of 1 cent per point, 50,000 bonus points are worth $500.

Chase Sapphire Reserve®: Earn 60,000 bonus points when you spend $4,000 in your first 3 months of card membership.

Even though both cards let you earn the same number of bonus points, the Sapphire Reserve has a higher redemption value. Most redemption options will get you 1 cent per point, but redeeming points toward travel through the Chase Ultimate Rewards portal will get you a solid 1.5 cents per point. This turns your 60,000 bonus points into $900 worth of travel.

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 it seems that both cards have a similar value. But when you look at the details, you’ll see that one card actually offers a better value.

Citi Prestige® Credit Card: Earn 5x points on airfare and restaurants, 3x points on hotels and cruise lines and 1x points on all other purchases.

This card earns 5x points on two travel categories, which is on par with most premium travel credit cards. Unfortunately, it’s not enough to beat the Sapphire Reserve in this category.

Chase Sapphire Reserve®: 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.

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 Citi Prestige® Credit Card vs. Chase Sapphire Reserve®

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Reserve®
60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards.
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
Earn a huge signup bonus worth $900 toward travel when redeemed through Chase Ultimate Rewards with Chase’s premier card.
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