Head to head

Chase Sapphire Preferred vs. Citi Double Cash Card

On the criteria below, Chase Sapphire Preferred wins 3 of 5. The verdict depends on which criteria matter to you.

Chase Sapphire Preferred

Chase

Citi

At a glance

Chase Sapphire Preferred wins 3 of 5 criteria here, making it the stronger all-rounder.

Chase Sapphire Preferred wins on first-year math, travel insurance, and foreign transactions; Citi Double Cash Card wins on annual fee.

Pick the Chase Sapphire Preferred if year-one math is your priority; take the Citi Double Cash Card if you want a cheaper card to keep long-term.

3 vs 1 (1 tie)

First-year math Chase Sapphire Preferred

Chase Sapphire Preferred wins on bonus value minus annual fee.
Annual fee Citi Double Cash Card

Citi Double Cash Card is $95 cheaper to keep.
Earning ceiling Tie

Same peak earning rate.
Travel insurance Chase Sapphire Preferred

Chase Sapphire Preferred carries built-in travel insurance.
Foreign transactions Chase Sapphire Preferred

Chase Sapphire Preferred has a lower (or zero) foreign transaction fee.

Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.