What kind of credit card are you looking for? One more focused on travel rewards or one for everyday purchases? You should think about these questions before choosing the Chase Sapphire Preferred® Credit Card or the Citi Premier® Card. But we can give you a good comparison between the cards to help you decide.

Both cards have the same $95 annual fee, and they do not charge for foreign transactions. But the Chase Sapphire Preferred Card has more benefits focused on dining and travel spendings. And the Citi Premier card has more benefits related to everyday spendings.

So, you can check out our simplified comparison table and then keep reading the post to find out more about these card’s perks, benefits, and disadvantages. Also, you can go to our separate post about these cards and see how you can apply for them later.

The Chase Sapphire Preferred® Credit Card is a great travel card that also has dining benefits. And both beginners and experienced users will find this card very useful.

It offers a great welcome bonus for those who are qualified, and it has a relatively low annual fee of $95 compared to the many benefits you can get in return.

This Chase card offers points for dining and travel purchases. It gives 2X points on travel and dining spendings worldwide, and this includes takeout and delivery.

As a cardholder, you can also get the My Chase Plan®, this plan gives you the option of paying for your purchases with no interest, but it has a monthly fee.

Overall, this card is for people who travel and like to dine out or order food. Also, as a cardholder, you have to check if you can spend the minimum amount required to get the great welcome bonus. However, this card does not have many premium benefits.

The Citi Premier® Card has more benefits related to popular spending categories. You can get rewards for restaurants, supermarkets, and gift cards purchases.

There are also some benefits for travel purchases. As a cardholder, you get 3X points for every dollar spent at restaurants, supermarkets, hotels, air travel, and gas stations.

It even has some travel benefits, like $100 annual savings on hotel a hotel stay costing $500 or more (terms apply).

However, this card might not be so good for people who travel a lot. Through ThankYou points, the card gives the option to redeem your points related to travel for only 1 cent each.

Overall, this Citi card can be a good option for people who like to spend on everyday purchases.

Before choosing your favorite card so far, we recommend that you see the disadvantages of both cards. We will start with the Chase Sapphire Preferred® Credit Card card.

So, the main disadvantage of this card is that it has no premium rewards related to travel, like lounge access. This card might not be so good for people who like cash back benefits, as this is a card for more “complicated” benefits, but that doesn’t mean it is not rewarding.

Before applying for this card, remember that you have to qualify to get the great welcome bonus it offers. You cannot have another Chase Sapphire card, you cannot have received a welcome offer from a Chase card within the last 48 months, and there are other requirements.

So, if you don’t fit the requirements above, you will not be able to get the welcome bonus.

One of the main disadvantages of the Citi Premier® Card is that it has some limitations related to travel perks. This card used to have some good travel perks like trip cancellation protection, car rental insurance, and others, but now those perks do not exist for this card anymore.

Also, the card has limited options for transfer partners. So, if you would like to transfer your points to a more commonly known airline, this card might not be a good fit.

We recommend that you always choose the card that best fits your spending power and needs. With that, you can get a card that can give you the most out of its rewards and bonus options.

When referring to the Chase Sapphire Preferred® Credit Card or the Citi Premier® Card, keep in mind that you will need to have healthy personal finances. Both cards require a good to excellent credit score.

Overall, the Chase Sapphire Preferred® Credit Card is a better option for those who would like to have good travel protections and benefits and other purchase rewards.

And the Citi Premier® Card can be a better option for those who want a card for everyday spendings and only some travel perks.

But in case you prefer a card more focused on everyday purchases and cash back rewards, check out our post about the Wells Fargo Active Cash® Card!