Comparison

Chase Sapphire Preferred Card vs Citi Premier: Which is the best?

Do you want to know if the best card for you is the Chase Sapphire Preferred Card or Citi Premier? Then check out our comparison between these two great cards!

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by Victória Lourenço

08/18/2021 | Updated on 10/25/2021

Chase Sapphire Preferred Card or Citi Premier: card comparison

Chase Sapphire Preferred Card or Citi Premier? Check out our comparison to help you decide. Source: Gettyimages
Chase Sapphire Preferred Card or Citi Premier? Check out our comparison to help you decide. Source: Gettyimages

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 Card or Citi Premier. 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.

How do you get the Chase Sapphire Preferred card?

Do you love traveling and dining? Then you must want the Chase Sapphire Preferred card. Read more to know how to get this great travel card!

How do you get the Citi Premier card?

Do you love to get bonuses for daily purchases and also get travel rewards? Keep reading to learn how to apply for the Citi Premier card!

Chase Sapphire Preferred cardCiti Premier card
Sign-up bonus*After $4,000 spent on eligible purchases in the first three months, you will get 100,000 bonus points

*Terms apply
Get 80,000 ThankYou points after spending $4,000 within the first three months (this is the current offer)

*Terms apply
Annual fee$95$95
Rewards*2X points for dining and travel purchases
1X point for every dollar spent on other qualifying purchases

*Terms apply
Air travel and hotel purchases will earn you 3X points per dollar spent
1 point per dollar spent on any other purchase

*Terms apply
Other perks*Ultimate Rewards hotel credit of $50
Redeem your points with Pay Yourself BackSM and make them value 25% more (current offer)
Trip cancellation insurance and others

*Terms apply
Annual hotel savings
No foreign transaction fees
No rewards expiration

*Terms apply
APR15.99% to 22.99% variable APR15.99% to 23.99% variable APR

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Chase Sapphire Preferred Card

This Chase card has great dining and travel benefits. Source: Chase
This Chase card has great dining and travel benefits. Source: Chase

The Chase Sapphire Preferred 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.

Citi Premier card

The Citi Premier card is great for everyday purchases. Source: Citibank
The Citi Premier card is great for everyday purchases. Source: Citibank

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.

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Benefits of Chase Sapphire Preferred Card

  • No foreign transaction fees
  • 5X points on travel related purchases earned through Chase Ultimate Rewards®
  • 2X points on travel and dining
  • 1X point on any other purchase
  • 24/7 emergency services

Benefits of Citi Premier card

  • 3X points for purchases made at restaurants and supermarkets
  • 3X points for air travel and hotel related purchases
  • Annual hotel benefits

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Disadvantages of Chase Sapphire Preferred Card

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

Disadvantages of Citi Premier card

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.

Chase Sapphire Preferred Card or Citi Premier card: which you should choose?

We can help you decide between the two cards. Source: Gettyimages
We can help you decide between the two cards. Source: Gettyimages

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 card and 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 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!

Wells Fargo Active Cash: overview

The Wells Fargo Active card is for people who love getting cash back and other rewards. Check out our overview of this great cash back card!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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