Chase Sapphire Preferred® Card vs Citi ThankYou® Premier Card
Compare Rewards, Interest Rates, Fees, and Benefits
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Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. How does it compare to Citi Thank You Premier, a points deal, points and restaurant credit card? Read our comparison chart below.
Keep in mind, the Chase Sapphire Preferred has a Introductory Annual Fee of $0 the first year, then $95, while the Citi Thank You Premier has a $95 annual fee; annual fee waived for the first 12 months*.
Credit Card Interest Rates & Fees
|Purchase APR||15.99% Variable based on your creditworthiness and other factors||13.99% to 22.99%* (Variable) based on your creditworthiness and other factors|
|Balance Transfers APR||15.99% Variable based on your creditworthiness and other factors|| |
|Annual Fee||Introductory Annual Fee of $0 the first year, then $95||$95 annual fee; annual fee waived for the first 12 months*|
Credit Card Rewards & Benefits
|Introductory Bonus Reward Points||Introductory Bonus Reward Points: Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards®||Introductory Bonus Reward Points: Spend $3,000 in purchases within the first 3 months of account opening and earn 50,000 bonus ThankYou points (redeemable for $500 in gift cards or $625 for airfare)|
|Airline Rewards||Airline Rewards: 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points|| |
|Hotel Rewards||Hotel Rewards|| |
|Point Rewards||Point Rewards: 1 point per dollar spent on all other purchases||Point Rewards: Earn 1x points on other purchases|
|Travel Rewards||Travel Rewards: 2X points per dollar spent on travel. 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points||Travel Rewards: Earn 3x points on travel (including gas)|
|Dining Rewards||Dining Rewards: 2X points per dollar spent dining at restaurants||Dining Rewards: Earn 2 ThankYou Points per dollar spent on purchases for dining at restaurants and entertainment|
|Smart Chip||Smart Chip||Smart Chip|
CreditDonkey® Credit Card Reviews
|Pros & Cons||Pros:|
- Generous bonus points
- Travel, purchase and security protection
- $0 intro annual fee for first year
- No intro APR
- $95 annual fee
- Bonus offer
- 3x points for travel
- 2x points for dining and entertainment
- No foreign transaction fees
- $95 annual fee
- No intro APR
|Bottom Line||High-earning rewards card for those with excellent credit... Read full review||Good rewards card for people on the go... Read full review|
See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
Citi Thank You Premier: Pricing information including interest rates, rewards, benefits and fees were obtained on July 13, 2015 from published websites and are believed to be accurate, but not guaranteed.
Which is Better: Chase Sapphire Preferred or Citi Thank You Premier?
Still need help deciding which points card is better? Read the in-depth reviews below. You may also be interested in comparing Chase Sapphire Preferred or Amex EveryDay.
Explore Chase Sapphire Preferred® Card In-Depth
Do you like to travel? Chase Sapphire Preferred has a huge bonus point offer and premium travel benefits. But the card has a $95 annual fee. Read on to see if the Sapphire Preferred is worth it.
Chase Sapphire Preferred offers many benefits, some you might not even know about. Read this guide to learn about the benefits this card has to offer.
Explore Citi ThankYou® Premier Card In-Depth
If you’re looking for an all-purpose rewards credit card that offers a mix of travel perks and a generous promotional bonus, the Citi ThankYou Premier card deserves a close look. This card offers triple reward points for travel, double reward points for dining and entertainment, and a long list of travel protections. Read on to see if the card is worth the $95 annual fee (waived for the first 12 months).
There’s a new version of the Starwood Preferred Guest credit card, and with the updated perks comes an increased cost: the annual fee has been bumped from $65 to $95. Read on to find out if the card should still be worth considering in 2015.
Compare Chase Sapphire Preferred to:
|Intro APR (Purchases)||Intro APR (Balance Transfer)||Regular APR|
0% for 15 months
0% for 15 months
13.99% - 22.99% Variable
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