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Citi Prestige® Credit Card vs Chase Sapphire Preferred® Card

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Citi Prestige® Credit Card

Citi Prestige® Credit Card

Terms apply, see rates & fees

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

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
  • Travel rewards and a great signup bonus
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.

Rewards
Rewards

5x points on flights and dining, 3x points on hotels and cruises and 1x points on all other purchases

5x points on travel through Chase Ultimate Rewards, 3x points on dining and 2x points on all other travel 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 $40
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 740 670
Card type
Card type Credit Credit
Learn more
Learn more

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