Chase Sapphire Preferred® Card vs. Citi Double Cash®

Side-by-side comparison · Updated 2026 · Independently reviewed

Chase logo
Chase Sapphire Preferred® Card
Chase
4.8

Earn 60,000 bonus points. Strong travel and dining rewards.

Full review →
Citi logo
Citi Double Cash®
Citi
4.6

2% cash back: 1% when you buy, 1% when you pay.

Full review →
WealthSpott Verdict

Citi Double Cash® 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 Double Cash®
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
60,000 points
None
Rewards Rate
1x-5x
2%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 18 months
Regular APR
21.49%-28.49% Variable
19.24%-29.24% 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
Full review
Citi Double Cash®
Pros
  • 0% APR for 18 months on purchases and balance transfers
  • 2% cash back (1% + 1%)
Cons
  • No bonus categories
Full review

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