Chase Sapphire Preferred vs Citi Double Cash Card
Comprehensive comparison to help you choose the right option
Last updated: March 2026
Quick Verdict
Chase Sapphire Preferred takes the edge with a rating of 4.7/5. It's best for frequent travelers who want flexible rewards without a huge annual fee. However, Citi Double Cash Card is the better choice if you're looking for people who want simple, flat-rate cash back with no annual fee.
Side-by-Side Comparison
| Feature | Chase Sapphire Preferred | Citi Double Cash Card |
|---|---|---|
| Card Category | Travel | Cash Back |
| Annual Fee | $95 | $0 |
| APR | 21.49%-28.49% | 18.49%-28.49% |
| Sign-Up Bonus | 60,000 points after $4,000 spend in 3 months | $200 after $1,500 spend in 6 months |
| Rewards Rate | 5x travel via Chase, 3x dining & streaming, 2x other travel, 1x everything else | 2% on everything (1% when you buy, 1% when you pay) |
| Foreign Transaction Fee | None | 3% |
| Credit Score Needed | Good to Excellent (670+) | Good to Excellent (670+) |
| Our Rating | 4.7/5 | 4.5/5 |
Chase Sapphire Preferred: Pros & Cons
Chase Sapphire Preferred Pros
- + Excellent sign-up bonus
- + Flexible point transfers
- + No foreign transaction fees
- + Trip cancellation insurance
- + 25% more value on Chase portal
Chase Sapphire Preferred Cons
- - $95 annual fee
- - No airport lounge access
- - Limited premium travel perks
Best for: Frequent travelers who want flexible rewards without a huge annual fee
Citi Double Cash Card: Pros & Cons
Citi Double Cash Card Pros
- + Flat 2% on everything
- + No annual fee
- + Simple rewards structure
- + Citi ThankYou points option
Citi Double Cash Card Cons
- - Foreign transaction fee
- - No bonus categories
- - Modest sign-up bonus
Best for: People who want simple, flat-rate cash back with no annual fee
Detailed Analysis
Who Should Choose Chase Sapphire Preferred?
Chase Sapphire Preferred is the better choice if you're looking for frequent travelers who want flexible rewards without a huge annual fee. Its strongest advantages include excellent sign-up bonus and flexible point transfers. With a rating of 4.7/5, it stands out as one of the best options available.
Who Should Choose Citi Double Cash Card?
Citi Double Cash Card is ideal for those who want people who want simple, flat-rate cash back with no annual fee. Key strengths include flat 2% on everything and no annual fee. Rated 4.5/5, it is among the top picks we recommend.
Final Verdict
Chase Sapphire Preferred
Citi Double Cash Card
Both Chase Sapphire Preferred and Citi Double Cash Card are solid credit card options. Choose Chase Sapphire Preferred if you value excellent sign-up bonus. Choose Citi Double Cash Card if you prioritize flat 2% on everything.