Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Chase Sapphire Preferred® Credit Card ($95/yr) and the Citi Double Cash® Card (no annual fee) comes down to where you spend most. Chase Sapphire Preferred Card needs about $455 a month in dining or groceries, counting that spending alone, to make up its $95 higher annual fee over Citi Double Cash Card. Below that, Citi Double Cash Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 3%. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply NowUnlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply Now| Feature | Chase Sapphire Preferred Card | Citi Double Cash Card |
|---|---|---|
| Annual Fee | $95 | $0 |
| Sign-Up Bonus | 75,000 points after $5,000 spend in 3 months | $200 after $1,500 spend in 6 months |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1% | 2% |
| Travel Rewards | 2% | 2% |
| Dining Rewards | 3% | 2% |
| Groceries Rewards | 3% | 2% |
| Rates with conditions not counted in the rows above |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 2%. 3% at top gas and EV charging brands Earns 3% only at the gas station and EV charging brands Chase selects. Other gas stations earn 1%. |
5% through Citi Travel Earns 5% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 2%. |
| Key Benefits | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. | Unlimited 2% cash back on all purchases. |
Chase Sapphire Preferred Card pulls ahead for dining, groceries spending.
Citi Double Cash Card wins on gas.
The $95/year fee difference means Chase Sapphire Preferred Card needs to earn about that much more in rewards to justify its cost.
Chase Sapphire Preferred Card carries $220/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.