Dedicated comparison page

Chase Sapphire Preferred vs Citi Double Cash Card

Chase Sapphire Preferred vs Citi Double Cash Card on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.

Lowest annual feeCiti Double Cash CardNo annual fee
Highest reward rateCiti Double Cash Card2.0%
Lowest starting credit rangeChase Sapphire Preferred700+

Quick Take

Chase Sapphire Preferred

by Chase

Apply Now

Chase Sapphire Preferred is a travel card from Chase with a $95 annual fee, 60,000 points after $4,000 in 3 months, and good to excellent credit.

Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.

  • 5% on Travel
  • 60,000 points after $4,000 in 3 months
  • No foreign transaction fee
Read full review →

Citi Double Cash Card

by Citi

Apply Now

Citi Double Cash Card is a cashback card from Citi with no annual fee, $200 cashback after $1,500 in 6 months, and good to excellent credit.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have good to excellent credit.

  • $200 cashback after $1,500 in 6 months
  • Foreign transaction fee: 3%
Read full review →

Side-by-Side Facts

MetricChase Sapphire PreferredCiti Double Cash Card
Annual Fee$95None
Reward Rate1.0%2.0%
Signup Bonus60,000 points after $4,000 in 3 months$200 cashback after $1,500 in 6 months
Foreign Transaction FeeNone3.0%
Recommended CreditGood to excellent creditGood to excellent credit
Rewards SummaryEarn elevated rewards with 5% on Travel, 3% on Dining and 3% on Online, plus 1% on other purchases.Earn 2% on general spending.

Who Should Pick Which Card?

Chase Sapphire Preferred

Its strongest earning category is Travel at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.

Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.

Pros

  • 60,000 points after $4,000 in 3 months
  • Potentially worthwhile if you use the card enough to cover the $95 annual fee
  • Earns 5% on Travel
  • Earns 3% on Dining

Tradeoffs

  • Annual fee of $95 means you need ongoing value from the card
  • Typically requires good to excellent credit
  • Signup bonus requires $4000 in spending within 3 months
  • Base rewards on non-bonus spending are relatively modest

Citi Double Cash Card

It keeps the value proposition simple with 2% on everyday purchases.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have good to excellent credit.

Pros

  • $200 cashback after $1,500 in 6 months
  • No annual fee to offset rewards

Tradeoffs

  • Foreign transaction fee of 3% can hurt value abroad
  • Typically requires good to excellent credit

Frequently Asked Questions

What is the main difference between Chase Sapphire Preferred and Citi Double Cash Card?

The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.

Which card is easier to qualify for?

Chase Sapphire Preferred has the lowest published starting credit range in this comparison at 700.

Which card has the lowest annual fee?

Citi Double Cash Card has the lowest annual fee in this comparison at no annual fee.