Chase Sapphire Preferred vs Citi Premier Card
Compare these two cards side by side to find the best fit for your spending and travel goals.
Chase Sapphire Preferred Chase | Citi Premier Card Citi | |
|---|---|---|
| Sign-Up Bonus | 75,000 points | 60,000 points |
| Bonus Value | $750 | $300 |
| Spend Required | $5,000 | $4,000 |
| Timeframe | 3 months | 3 months |
| Annual Fee | $95 | $95 |
| Bonus qualification | Preferred is unavailable if already held. Prior ownership, bonuses, and account history can limit bonus eligibility. Preferred offer conditionsSpend $5,000 in qualifying purchases in the first 3 months from account opening. Chase says the card is unavailable if you already hold it. Prior ownership, prior bonuses, and opening or closing other cards may affect bonus eligibility; a fixed waiting period does not guarantee another bonus. The account must be open and not in default when the bonus is fulfilled. Balance transfers, cash advances and cash-like transactions, gambling, money transfers and account funding, account-access checks, interest, fees, and unauthorized or fraudulent charges do not qualify. Allow 6–8 weeks after qualification for the bonus to post. See the official offer details; offers can differ by application channel. Official offer detailsPricing and account terms | Spend $4,000 within 3 months to earn the bonus. |
| Base Rewards | 1x on other purchases | 1x on all purchases |
| Rewards Currency | Ultimate Rewards | ThankYou Points |
| Network | Visa | Mastercard |
| Credit Needed | Good | Good |
Chase Sapphire Preferred Perks
- +Up to $100 in Chase Travel hotel credits per account anniversary year; credited purchases do not earn points
- +Up to $120 Global Entry, TSA PreCheck or NEXUS application fee credit every four years
- +Primary rental collision/theft coverage subject to the benefit guide
- +No foreign transaction fees
Chase Sapphire Preferred Bonus Categories
- +5x Chase Travel purchases
- +3x dining, selected streaming and online grocery (exclusions apply)
- +3x gas stations, EV charging and vacation homes at eligible brands
- +2x other travel
Citi Premier Card Bonus Categories
- +3x restaurants
- +3x supermarkets
- +3x gas
- +3x air travel
- +3x hotels
Frequently Asked Questions
How do I qualify for the Chase Sapphire Preferred bonus?
Spend $5,000 in qualifying purchases in the first 3 months from account opening. Chase says the card is unavailable if you already hold it. Prior ownership, prior bonuses, and opening or closing other cards may affect bonus eligibility; a fixed waiting period does not guarantee another bonus. The account must be open and not in default when the bonus is fulfilled. Balance transfers, cash advances and cash-like transactions, gambling, money transfers and account funding, account-access checks, interest, fees, and unauthorized or fraudulent charges do not qualify. Allow 6–8 weeks after qualification for the bonus to post. See the official offer details; offers can differ by application channel.
Which is better, Chase Sapphire Preferred or Citi Premier Card?
The Chase Sapphire Preferred offers a higher sign-up bonus value (75,000 points vs 60,000 points). However, the best choice depends on your spending habits, travel preferences, and whether the annual fee is worth it for your situation.
Can I have both the Chase Sapphire Preferred and Citi Premier Card?
Holding one card does not establish eligibility for the other. Spend $5,000 in qualifying purchases in the first 3 months from account opening. Chase says the card is unavailable if you already hold it. Prior ownership, prior bonuses, and opening or closing other cards may affect bonus eligibility; a fixed waiting period does not guarantee another bonus. The account must be open and not in default when the bonus is fulfilled. Balance transfers, cash advances and cash-like transactions, gambling, money transfers and account funding, account-access checks, interest, fees, and unauthorized or fraudulent charges do not qualify. Allow 6–8 weeks after qualification for the bonus to post. See the official offer details; offers can differ by application channel.
What credit score do I need for these cards?
The Chase Sapphire Preferred typically requires good credit, while the Citi Premier Card requires good credit. A score of 700+ is generally recommended for premium cards.