Citi Prestige® Credit Card vs. Chase Sapphire Reserve®

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

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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

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

17.24% to 25.24% variable

18.49% to 25.49% variable

Annual fee
Annual fee $495 $550
Balance transfers
Balance transfers APR: 17.24% to 25.24% variable

APR: 18.49% to 25.49% variable

Cash advance
Cash advance

APR: 26.74% variable

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

APR: 26.49% 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
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

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Which card should you choose?

Citi Prestige® Credit Card

Citi Prestige® Credit Card

  • Strong rewards on air travel, restaurants, hotels and cruise lines
  • 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®

  • 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
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
50,000 miles after spending $2,500 in the first 3 months
2x miles on eligible American Airlines purchases, at gas stations and restaurants and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.
Capital One® VentureOne® Rewards Credit Card
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Delta SkyMiles® Gold American Express Card
60,000 miles after spending $2,000 in the first 3 months, plus 10,000 miles after your first anniversary
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 60,000 miles after spending $2,000 in the first 3 months, plus 10,000 miles after your first anniversary. Rates & fees
CardMatch™ from creditcards.com
See terms
See terms
See terms
Can't decide on a card? Get personalized credit card offers with CardMatch™.
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
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.

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.

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