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®.

Please note: Citi isn’t currently accepting applications for the Citi Prestige® Card

Citi Prestige® Card

Citi Prestige® Card

Chase Sapphire Reserve®

Chase Sapphire Reserve®

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

★★★★★

3.4 / 5.0

★★★★★

4.6 / 5.0
Welcome offer
Welcome offer None Earn 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
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 dining and on travel after you've earned your $300 travel credit. Earn 1x points on all other purchases.

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

17.49% to 25.49% variable

17.99% to 24.99% variable

Annual fee
Annual fee $450 $450
Balance transfers
Balance transfers

APR: 17.49% to 25.49% variable

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

APR: 17.99% to 24.99% 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

Late payment fee
Late payment fee $35 $37
Additional cardholder fee
Additional cardholder fee $0 $75
Interest-free period
Interest-free period 23 days 21 days
Minimum interest
Minimum interest $0.5 $0
Minimum credit score
Minimum credit score 740 740
Card type
Card type Credit Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
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 on purchases in the first 3 months of card membership, you'll earn 50,000 bonus points.

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.

Compare travel credit cards

Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
30,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
1 miles
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
3 points
17.74% to 26.74% variable
$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
50,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1 points
See Rates & Fees
$250
50,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
2 miles
17.99%, 21.99% or 24.99% variable
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
1 points
None (Charge Card)
$550
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com. Rates & Fees
125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
3 points
17.74% to 26.74% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of Card Membership. Rates & Fees
10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months.
1 miles
17.74% to 26.74% variable
$0
Earn 10,000 Bonus Miles after spending $500 in purchases on your new card in your first 3 months of Card Membership. Rates & Fees
75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
2 points
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
1 points
16.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1 points
16.99% 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.
2 points
16.99% 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.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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