Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Citi Prestige® Credit Card vs Chase Sapphire Preferred® Card

Compare credit cards

Updated

Fact checked
Please note: Citi is an advertising partner of finder.com

Citi Prestige® Credit Card

Citi Prestige® Credit Card

Rates & Fees

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Rates & Fees

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

★★★★★

3.4 / 5.0

★★★★★

4.3 / 5.0
Best for
Best for
  • Travel credits and strong rewards rates
  • Travel rewards and a great signup bonus
Welcome offer
Welcome offer

50,000 points after spending $4,000 in the first 3 months

80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 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

5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases

Purchase APR
Purchase APR

16.99% to 23.99% variable

15.99% to 22.99% variable

Annual fee
Annual fee $495 $95
Balance transfer APR
Balance transfer APR 16.99% to 23.99% variable

15.99% to 22.99% 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 $0
Interest-free period
Interest-free period 23 days 21 days
Minimum interest
Minimum interest $0.50 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Summary of card features

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.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Signup bonus. Earn 80,000 bonus points when you spend $4,000 in your first 3 months when you open your account. That's $1,000 in value when redeemed for travel purchases via the Chase Ultimate Rewards portal.
  • Earn reward points. Every time you use your card toward travel and dining purchases, you earn 2x points. All other purchases earn 1x points.
  • Point transfer. You can transfer your points in 1:1 ratio with Chase's hotel and airline partners, including British Airways, Air France KLM, Korean Air, Singapore Airlines, Southwest Airlines, United Airlines, Virgin Atlantic, IHG, Marriott and World of Hyatt.

Compare credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
American Express® Gold Card
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
Marriott Bonvoy Brilliant™ American Express® Card
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
15.74% to 24.74% variable
$450
Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Petal 2 “Cash Back, No Fees” Visa® Credit Card
Up to 10% cash back from select merchants, on other purchases earn 1% back, 1.25% after six on-time payments and 1.5% after 12 on-time payments
12.99% to 26.99% variable
$0
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. See if you prequalify with no impact to your score.
Costco Anywhere Visa® Card by Citi
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
15.24% variable
$0
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
American Express Cash Magnet® Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
With 1.5% back on everything and a 15 months intro APR on purchases, this no-annual-fee rewards card makes it simple to earn more rewards. Rates & fees
Chase Sapphire Reserve®
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
16.99% to 23.99% variable
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Delta SkyMiles® Gold American Express Card
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
15.74% to 24.74% variable
$0 intro annual fee for the first year ($99 thereafter)
With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees
Hilton Honors American Express Card
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
15.74% to 24.74% variable
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Southwest Rapid Rewards® Priority Credit Card
2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases
15.99% to 22.99% variable
$149
Earn 40,000 points after you spend $1,000 in the first 3 months of account opening.
Credit One Bank® Visa® with Free Credit Score Access
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
17.99% to 23.99% variable
$0 to $99
Get 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Credit One Bank® Unsecured Visa® with Cash Back Rewards
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Credit One Bank® Unsecured Visa® for Rebuilding Credit
1% cash back on all purchases on eligible purchases
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Official NASCAR® Credit Card from Credit One Bank®
Up to 1% cash back on eligible purchases determined by Credit One and double cash back at the NASCAR Shop
17.99% to 23.99% variable
$0 to $99
Get up to 1% cash back rewards on eligible purchases determined by Credit One and double cash back rewards at the NASCAR Shop.
Delta SkyMiles® Blue American Express Card
2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases
15.74% to 24.74% variable
$0
Earn 2x miles on Delta purchases and dining with this simple, entry-level Delta card, and pay no annual fee. Rates & fees
Hilton Honors American Express Surpass® Card
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
15.74% to 24.74% variable
$95
With a big welcome offer worth up to $650, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Rates & fees
loading

Compare up to 4 providers

Compare rewaeds credit cards

More guides on finder

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 finder.com 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