Chase Sapphire Reserve® vs. Citi Simplicity®
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Reserve®
Chase
4.7
10x on Chase Travel. $300 travel credit. Priority Pass lounge access.
Full review →
Citi Simplicity®
Citi
4.3
0% intro APR for 21 months on balance transfers. No late fees ever.
Full review →WealthSpott Verdict
Citi Simplicity® wins on more measurable categories — particularly annual cost. Chase Sapphire Reserve® may still win for your wallet depending on your spending patterns.
Feature
Chase Sapphire Reserve®
Citi Simplicity®
Annual Fee
$550/yr
$0 Best
Sign-up Bonus
60,000 points
None
Rewards Rate
1x-10x
0%
Rewards Type
Points
None
0% Intro APR
N/A
0% for 12 months
Regular APR
22.49%-29.49% Variable
18.49%-28.99% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
720-850
670-850
Chase Sapphire Reserve®
Pros
- $300 annual travel credit offsets fee
- 10x on Chase Travel portal purchases
- Priority Pass lounge access worldwide
- 3x on dining and travel outside Chase portal
Cons
- $550 annual fee — one of the highest
- Overkill if you don't travel frequently
- Annual fee was recently raised from $450
Citi Simplicity®
Pros
- 0% intro APR for 21 months on balance transfers
- No annual fee
- No late fees — ever
Cons
- No rewards program
- 3% foreign transaction fee
- Purchase APR intro only 12 months
Not sure which card is right for you?
Browse all credit cards