Chase Sapphire Preferred® Card vs. Citi Custom Cash® Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Preferred® Card
Chase
4.8
Earn 60,000 bonus points. Strong travel and dining rewards.
Full review →
WealthSpott Verdict
Citi Custom Cash® Card wins on more measurable categories — particularly annual cost. Chase Sapphire Preferred® Card may still win for your wallet depending on your spending patterns.
Feature
Chase Sapphire Preferred®
Citi Custom Cash®
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
60,000 points
$200
Rewards Rate
1x-5x
1%-5%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
21.49%-28.49% Variable
19.24%-29.99% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
Chase Sapphire Preferred® Card
Pros
- Valuable sign-up bonus (60k points)
- 3x on dining and travel
- No foreign transaction fee
Cons
- $95 annual fee
- Points worth more when redeemed for travel through Chase
Citi Custom Cash® Card
Pros
- 5% on top category (up to $500/quarter)
- No annual fee
- Categories include gas, groceries, dining
Cons
- Only one category earns 5% per month
- Foreign transaction fee
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