Which card is right for you depends entirely upon your spending habits and travel goals. Citi Premier provides more opportunities to earn bonus rewards while the Chase Sapphire Preferred provides outstanding travel coverages as well as a 25% bonus when redeeming travel redemptions.
New cardholders can earn an initial bonus of 60,000 ThankYou points after spending $4,000 within their first three months, for an impressive total of 124,000 points!
Bonus categories
While both Citi Premier Card and Chase Sapphire Preferred offer similar bonus categories, one might be more suitable depending on your spending patterns and goals. Citi Premier Card can offer increased earnings across more categories – dining, travel and gas station purchases among them – with more comprehensive benefits and protections provided than its counterpart.
The two cards also differ in how rewards are earned: Citi Premier offers 3X points on purchases at restaurants, supermarkets, and gas stations while Chase Sapphire Preferred only allows 2X earnings in those categories; however, Chase provides better airline and hotel partners. In addition to offering more points when purchasing travel-related purchases with them, and providing primary car rental insurance and trip delay reimbursement.
If you’re an avid traveler, the Chase Sapphire Preferred credit card should be part of your portfolio. Boasting 11 airline partners and three hotel brands as partners, as well as 5X points when booking through Chase portal or Lyft rides through March 2025 – making this card ideal.
Chase Sapphire Preferred card provides more than travel benefits; in addition to extended warranty coverage and virtual account numbers. These features are great for people who shop online often as they help prevent identity theft. Furthermore, it features shopping and entertainment perks including free six-month Instacart membership and DoorDash DashPass subscription subscription.
The Chase Sapphire Preferred card is an ideal way to maximize the value of rewards, with an annual fee of only $95, and offers numerous travel benefits such as primary car rental insurance, trip cancellation/interruption/delay reimbursement coverage and auto collision damage waiver coverage. Other perks include purchase protection that guards against accidental or fraudulent charges on your card as well as accessing special Chase Offers that can boost rewards even further.
Transfer partners
Citi Premier and Chase Sapphire Preferred both offer comprehensive travel rewards credit cards. However, Citi Premier may provide slightly more valuable redemption methods outside travel as well as cardholder protections such as purchase coverage and extended warranty protections; which option you should choose ultimately depends on your spending habits and financial goals.
Both cards offer attractive sign-up bonuses and ongoing benefits that make the cards worthy additions to any wallet. Chase Sapphire Preferred cardholders earn points that are easily redeemable through partner programs, while Citi Premier rewards can be redeemed for gift cards and merchandise; additionally, Citi Premier also comes equipped with an annual hotel credit of $50 and discounts to DoorDash and HelloFresh deliveries.
However, the Chase Sapphire Preferred card boasts an expanded list of partner airlines and hotels and a higher transfer rate to popular loyalty programs; additionally its cardholder benefits provide trip cancellation, delay and baggage protections – ideal if you travel often! If this sounds appealing to you then this might be your perfect card choice.
Citi Premier card provides a generous welcome bonus that rivals that of Chase Sapphire Preferred cards, offering new cardmembers an opportunity to earn 60,000 ThankYou points after spending $4,000 within three months, equal to roughly $600 toward travel or gift card purchases. In addition, this card provides various travel insurance protections like car rental collision damage waiver and trip interruption insurance policies.
Both cards charge an annual fee, but both provide cardholders with valuable rewards and benefits that help justify it. Of the two options, Chase Sapphire Preferred may provide more generous cardholder perks, but both cards make good choices for those seeking maximum value from their annual fees.
Though both cards provide strong rewards systems, Citi Premier may be better for shoppers who frequently shop grocery stores and restaurants, as its rewards structure offers more comprehensive coverage such as 5X points on Lyft rides through March 2025 and 3X points for dining purchases. Furthermore, Chase Sapphire Preferred’s slightly higher annual fee can provide additional valuable benefits such as travel insurance and purchase protections.
Travel protections
Chase Sapphire Preferred provides more comprehensive travel protections, with trip cancellation and interruption insurance, an auto rental collision damage waiver, baggage delay reimbursement, purchase protection and extended warranty coverage, plus a 25% bonus on travel redemptions. In addition, its annual fee is $95; plus there’s an annual hotel credit of $50 annually as well as more airline/hotel partners for earning. Both cards offer generous welcome bonuses – their value depends on how they’re redeemed.
The Citi Premier card earns 3X points on airfare, gas station and supermarket purchases and 2X on dining and other everyday spending, and 1X points for all other purchases. Plus it doesn’t charge additional fees when adding authorized users – both cards provide additional perks such as annual hotel savings benefits and discounts with HelloFresh and DoorDash services!
Both cards offer strong earning potential, but the Citi Premier card may offer greater flexibility with regards to reward redemption options – such as transferring points directly to travel partners or redeeming them through its issuer’s portal.
Citi Premier card not only offers flexible redemption options, but it also comes with a comprehensive suite of travel protections that makes it an excellent choice for travelers. This card provides travel insurance coverage as well as emergency assistance hotline support; additionally it safeguards against fraudulent transactions, theft, and lost luggage charges incurred without authorization.
The Chase Sapphire Preferred card provides more opportunities to earn bonus rewards and offers a broader selection of travel benefits than Citi Premier, including higher redemption value when using Chase Ultimate Rewards portal and more domestic airline and hotel partners than Citi. When selecting a credit card that best meets your travel habits and financial goals, make sure to consider which card provides maximum satisfaction – ultimately the decision should come down to what’s best for you personally!
Cash advances
If you’re searching for a travel rewards credit card that delivers good value for its annual fee, both Chase Sapphire Preferred and Citi Premier cards should be considered. Both offer solid earning potential and redemption options; with the Sapphire Preferred offering travel insurance coverage and an extra 25% bonus on travel redemptions. Both cards require excellent credit to apply and may require a security deposit or personal guarantee as part of the application process.
Citi Premier card offers a sign-up bonus of 60,000 ThankYou points after spending $4,000 within three months, worth $0.01 each and redeemable for gift cards or travel. However, these points don’t compare as favorably to the Chase Sapphire Preferred’s 1.25 cent value when redeemed through Ultimate Rewards portal.
Both cards offer other advantages, including earning three times as many rewards points on dining and travel purchases and saving money at gas stations and supermarkets with the rewards-earning Citi Prestige Mastercard. It also comes with free ShopRunner membership offering two-day shipping from over 300 retailers as well as three months free trial of DoorDash DashPass delivery for qualifying purchases – no foreign transaction fees are applied to it either!
Both Citi Premier and Chase Sapphire Preferred cards carry an annual fee of $95; however, there are significant variations between them in terms of rewards categories offered and earning rates; with Citi Premier offering more generous earning rates due to its expansive rewards offerings and 5X points earned through Ultimate Rewards portal and Lyft rides until March 2025 compared with Sapphire Preferred’s 5X points bonus on travel booked through Ultimate Rewards portal and Lyft rides until that March.
The Chase Sapphire Preferred card provides more flexibility when redeeming points for travel, enabling you to transfer them between airlines and hotels partners. Furthermore, its travel perks such as trip cancellation protection, baggage delay coverage and car rental collision damage waivers more than make up for its slightly higher annual fee. Furthermore, authorized users reported on to credit bureaus can help build credit.