Chase Sapphire Preferred Card
vs. Citi Premier® Card

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ByDoug Milnes, CFA
Reviewed byBrett Holzhauer, CPFC
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ByDoug Milnes, CFA
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Reviewed byBrett Holzhauer, CPFC
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Updated: June 13, 2024

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The Chase Sapphire Preferred Card and Citi Premier credit cards are both mid-tier travel rewards cards. These two cards have become favorites among frequent and not-so-frequent travelers because of their flexible reward programs and generous welcome bonuses. Both have $95 yearly fees, but vary in perks and features.

Because choosing between two good rewards credit cards can be difficult, this comparison will break down the differences between the Sapphire Preferred and Premier Card to help you make a decision.

Comparison Overview: Chase Sapphire Preferred Card vs. Citi Premier® Card

  • Chase Sapphire Preferred Card
    Citi Premier® Card
  • Has Annual Fee
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  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
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Chase Sapphire Preferred Card At a Glance

The Chase Sapphire Preferred Card credit card is one of the best rewards cards available today. The card comes with a bonus of 60,000 bonus points (worth $750 toward travel when redeemed via Chase Travel℠), 3X points per dollar spent on dining, 5X total points on travel purchased through Chase Travel℠, flexible redemption choices and no foreign transaction fees. However, to be approved for the Sapphire Preferred, you must have excellent credit — otherwise, you may be denied.

  • Chase Sapphire Preferred Card

    A very good rewards card with no foreign transaction fees and comprehensive travel cover

    • 1–5 Points per $1Rewards Rate
    • 21.49%–28.49% VariableAPR
    • $95Annual Fee
    • 670–850 (Good to Excellent)Recommended Credit


    • Generous new cardholder bonus
    • High rewards on travel and dining
    • No foreign transaction fees
    • With travel insurance and benefits
    • Flexible rewards redemption options


    • With annual fee applies
    • High credit requirement
    • Rewards program can be complex
    • Potentially high APR
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
    • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
    • Member FDIC credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    Chase Sapphire Preferred Card

Citi Premier® Card At a Glance

New cardmembers can earn 60,000 ThankYou bonus points after spending $4,000 in purchases with the Citi Premier® Card within the first three months of account opening. ThankYou Points are worth $0.01 per point when redeemed through Citi’s travel portal or for gift cards. So 60,000 points would be worth $600 toward gift cards, travel and other redemptions.

  • Citi Premier® Card

    An excellent travel rewards card for international use

    • 1–3 Points per $1Rewards Rate
    • 21.24% – 29.24% VariableAPR
    • $95Annual Fee
    • ExcellentRecommended Credit


    • Opportunity to earn a sizeable sign-up bonus
    • 3X points for travel purchases and on a few other categories
    • No foreign transaction fees
    • Transfer points to popular frequent flyer programs or redeem them in other ways
    • $100 hotel savings benefit each year


    • Annual fee of $95
    • No complimentary insurance
    • No purchase protection
    • Cash advance and balance transfer fees
    • Penalty APR may apply in case of a late or returned payment

    Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024. Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels Earn 3 Points per $1 spent at Restaurants and Supermarkets Earn 1 Point per $1 spent on all other purchases Annual Hotel Savings Benefit 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at No expiration and no limit to the amount of points you can earn with this card No Foreign Transaction Fees on purchases

    Citi Premier® Card

Comparison Summary

Compare the similarities and differences between these two mid-tier travel rewards credit cards to see which card is best for you.

Card Detail
Comparison Summary

Travel Coverage and Purchase Protection

Insurance for trip cancellation, trip delay, baggage delay, travel accidents and an auto rental collision damage waiver are all included in Chase Sapphire Preferred Card's travel benefits.

The Citi Premier® Card doesn’t have any travel protections.

Winner: Chase Sapphire Preferred Card

Welcome Bonus

Both providers offer generous welcome bonuses to their new cardholders.

The Chase Sapphire Preferred Card offers new cardholders the opportunity to earn 60,000 bonus points after spending $4,000 in the first three months of account setup. Chase Travel℠ are incredibly valuable since each point is worth $1.25 when redeemed using the Chase travel site or the Pay Yourself Back function (so the 60,000-point incentive is worth $750).

When redeemed, ThankYou Points are only worth $0.01 per point. Therefore 60,000 points are worth $600 in gift cards or towards a vacation.

Winner: Chase Sapphire Preferred Card


In terms of rewards, both cards are excellent.

With the Chase Sapphire Preferred Card, it’s possible to earn 5X points on Chase Travel℠ (excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit), 3X points at restaurants, select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs), 2X points on all other travel purchases and 1X points on general purchases

With the Citi Premier® Card, you’ll earn 3X points for every dollar spent at restaurants, supermarkets, gas stations, airports and hotels. You’ll also earn 1X point per dollar spent on all other eligible items.

For frequent travelers, the Sapphire Preferred is the ideal option since it earns 5X points per dollar instead of the Premier Card's 3X points per dollar.

Winner: Chase Sapphire Preferred Card

Annual Fee

The annual fee is $95 for both the Chase Sapphire Preferred Card and the Citi Premier® Card.

Winner: Tie

Foreign Transaction Fee

Neither card has foreign transaction fees.

Winner: Tie

Which Card Should You Get?

When deciding between the Chase Sapphire Preferred Card and Citi Premier® Card, it’s best to consider your financial habits and goals. The best choice will depend on your individual travel needs and spending patterns.

Who Should Consider the Chase Sapphire Preferred Card?

The Chase Sapphire Preferred Card is ideal for people who want to stretch their points farther on travel and statement credits. It's also an excellent choice for people looking to earn points that can be used with various partners, such as airlines, hotels and restaurants.

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    Frequent travelers may want to take advantage of this card's ample travel protections, plus 5X total points rewards bonus on select travel purchases.

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    Each year, customers may use a $50 statement credit for hotel stays booked via Chase Travel℠.

Who Should Consider the Citi Premier® Card?

The Citi Premier® Card is a good choice for individuals who want to earn points on regular purchases. The card will also help you save money on travel, as there are no foreign transaction fees.

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    Once per year, the Citi Premier® Card gifts customers with a $100 Annual Hotel Savings Benefit on a single stay of $500 or more booked through

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    Experience-seekers may enjoy the Citi Entertainment rewards system, which gives cardholders special access to purchase tickets for concerts, sporting events, dining experiences and more.

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The Chase Sapphire Preferred Card is definitely the better card in this comparison. Bonus rewards points are extremely valuable as you can transfer them to great airline and hotel loyalty programs. While you can do the same with Citi ThankYou points, the partners are not as valuable as the majority of them are international airlines.

Other Helpful Decision-Making FAQs

Despite knowing the differences between the Chase Sapphire Preferred Card and the Citi Premier® Card, you might still be undecided about which one to go with. MoneyGeek has answered some frequently asked questions that can help you make an informed decision.

Is the Chase Sapphire Preferred Card better than the Citi Premier® Card?
Can you get the Chase Sapphire Preferred Card if you have a Citi Premier® Card?
Can you transfer points from the Chase Sapphire Preferred Card to the Citi Premier® Card?
Can you switch from the Chase Sapphire Preferred Card to the Citi Premier® Card?
What’s harder to get, the Chase Sapphire Preferred Card or the Citi Premier® Card?
How much do you have to spend for Chase Sapphire Preferred Card vs. Citi Premier® Card to get the welcome bonus?

Still Not Sure About These Cards? Consider These Options

If you can't decide between the Chase Sapphire Preferred Card and the Citi Premier® Card, look into other cards that offer significant rewards advantages. If you want to receive money back on purchases, a cash back credit card could be a good option for you.

About Doug Milnes, CFA

Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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