Chase Sapphire Preferred vs Citi Premier
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$95
vs
$95
Base Rewards
1x
vs
1x
Sign-Up Bonus
$750
vs
$600
Editor Score
9/10
vs
8/10
Detailed Comparison
| Category wins | 6/6 | 0/6 |
| Fees & APR | ||
| Annual Fee | $95★ Lowest | $95 |
| Purchase APR | 21.49% – 28.49% | 21.24% – 29.24% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | 5% | 5% |
| Rewards | ||
| Rewards Type | Points | Points |
| Base Rewards Rate | 1x★ Highest | 1x |
| Bonus Categories | 5x Travel (Chase) · 3x Dining · 3x Online Groceries | 3x Air Travel · 3x Hotels · 3x Restaurants |
| Sign-Up Bonus | $750 value★ Highest | $600 value✗ Lowest |
| Eligibility | ||
| Credit Score | Excellent (750+) | Excellent (750+) |
| Network | Visa | Mastercard |
| At a Glance | ||
| Best For | Frequent travelers who dine out often | Diverse spenders who want travel rewards |
| Ratings | ||
| User Rating | 4.7 / 5★ Highest | 4.3 / 5✗ Lowest |
| Editor Score | 9 / 10★ Highest | 8 / 10✗ Lowest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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| Cons |
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Our verdict: Chase Sapphire Preferred
The Chase Sapphire Preferred ($95/year) and the Citi Premier ($95/year) compete on different axes. The Chase Sapphire Preferred's strongest category is 5x on Travel (Chase), while the Citi Premier leads with 3x on Air Travel. Both carry $95/year, so the decision comes down to which rewards structure aligns with your spending — not whether the fee is worth it. Our scoring model gives the edge to the Chase Sapphire Preferred — it leads on 2 of the 4 key dimensions we evaluate. That said, this ranking is algorithmic; your specific spending pattern can flip the answer.
Leads on 2 of 4 key comparison dimensions
Dimension-by-dimension
| Dimension | Chase Sapphire Preferred | Citi Premier |
|---|---|---|
| Annual Fee | $95/year | $95/year |
| Base Reward Rate | 1x on everything | 1x on everything |
| Top Bonus Category | 5x on Travel (Chase) | 3x on Air Travel |
| Sign-Up Bonus | 60,000 points after spending $4,000 in 3 months | 60,000 points after spending $4,000 in 3 months |
Green checkmark indicates the card that leans stronger on that dimension. Our scoring model evaluates these quantitatively — your specific needs may shift the answer.
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Common Questions
Which is better: Chase Sapphire Preferred or Citi Premier?
It depends on your spending habits. The Chase Sapphire Preferred has a $95 annual fee and earns 1x base rewards. The Citi Premier has a $95 annual fee and earns 1x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Chase Sapphire Preferred and Citi Premier?
The Chase Sapphire Preferred has a $95 annual fee while the Citi Premier has a $95 annual fee. Both cards have the same annual fee, so the decision comes down to rewards structure and perks.
Can I have both the Chase Sapphire Preferred and Citi Premier?
Yes, since these cards are from different issuers (Chase and Citi), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.