Head-to-Head
Chase Sapphire Preferred vs Citi Double Cash: Which Is Better?
A detailed comparison to help you choose the right option for your financial goals.
Editor's Choice
Chase Sapphire Preferred
★★★★★4.7/5
✓60,000 point bonus
✓2X on travel & dining
✓$95 annual fee
Pros
- ✓ Excellent bonus
- ✓ Flexible points
- ✓ Travel protections
Cons
- ✗ Annual fee
- ✗ Needs good credit
- ✗ Not best for cashback
Best For
Travel EnthusiastsHigh Earners
Citi Double Cash
★★★★★4.5/5
✓2% on everything
✓No annual fee
✓No categories to track
Pros
- ✓ Simple 2% back
- ✓ No annual fee
- ✓ No caps
Cons
- ✗ No bonus
- ✗ No other perks
- ✗ Needs good credit
Best For
Cashback MaximizersInvesting Beginners
Our Verdict
Chase Sapphire Preferred gets our recommendation with a 4.7/5 rating. It's especially strong for those who want 60,000 point bonus. That said, Citi Double Cash is still excellent if simple 2% back is your top priority.