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Chase Sapphire Preferred® Card vs Citi ThankYou® Premier Card

Compare Rewards, Interest Rates, Fees, and Benefits

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 and points 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 $125 annual fee; annual fee waived for the first 12 months*.


 Chase Sapphire Preferred CardCiti ThankYou Premier Card
 Apply for Chase Sapphire Preferred CardApply for Citi ThankYou Premier Card
 

Chase Sapphire Preferred® Card

Citi ThankYou® Premier Card

 

Credit Card Summary

 
  • Earn 40,000 bonus points when you spend $3,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM.
  • Earn 5,000 additional bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus Chip and Signature enabled for international travel.
  • 1:1 point transfer to participating frequent travel programs at full value - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
  • Earn up to 50,000 bonus ThankYou® Points. Bonus points are redeemable for up to $500 in gift cards, up to $625 for airfare or other great rewards
  • Earn 20,000 points after $2,000 in purchases within the first 3 months of account opening
  • Earn an additional 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a cardmember
  • Earn 3 ThankYou Points for every $1 spent on purchases for dining at restaurants and entertainment
  • Earn 2 ThankYou Points for every $1 spent on purchases for airfare and hotels
  • Earn 1 ThankYou Point per $1 spent on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Travel with ease and enjoy chip based technology
 

Credit Card Interest Rates & Fees

Purchase APRas low as 15.99% (Variable) based on your creditworthiness and other factorsas low as 13.99% to 22.99%* (Variable) based on your creditworthiness and other factors
Balance Transfers APRas low as 15.99% (Variable) based on your creditworthiness and other factors 
Annual FeeIntroductory Annual Fee of $0 the first year, then $95$125 annual fee; annual fee waived for the first 12 months*
 

Credit Card Rewards & Benefits

Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Earn 40,000 bonus points when you spend $3,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM.Introductory Bonus Reward Points: Earn up to 50,000 bonus ThankYou® Points. Bonus points are redeemable for up to $500 in gift cards, up to $625 for airfare or other great rewards:
Earn 20,000 points after $2,000 in purchases within the first 3 months of account opening.
Earn an additional 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a cardmember.
Airline RewardsAirline Rewards: 1:1 point transfer to participating frequent travel programs at full value - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.Airline Rewards: Earn 2 ThankYou Points for every $1 spent on purchases for airfare and hotels
Hotel Rewards Hotel Rewards: Earn 2 ThankYou Points for every $1 spent on purchases for airfare and hotels
Point RewardsPoint Rewards: 1 point per dollar spent on all other purchasesPoint Rewards: Earn 1 ThankYou Point per $1 spent on other purchases
Travel RewardsTravel Rewards: 2X points per dollar spent on travel. 1:1 point transfer to participating frequent travel programs at full value - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points. 
Bonus Reward PointsBonus Reward Points: Automatically get a 7% Annual Points Dividend on all new points earned on purchases throughout the year - even points you have redeemed. 
Dining RewardsDining Rewards: 2X points per dollar spent dining at restaurantsDining Rewards: Earn 3 ThankYou Points for every $1 spent on purchases for dining at restaurants and entertainment
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Chase Sapphire Preferred CardCiti ThankYou Premier Card
Pros & ConsPros:
  • Generous bonus points
  • Travel, purchase and security protection
  • $0 introductory annual fee for first year
Cons:
  • No intro APR
  • $95 annual fee
Bottom LineHigh-earning rewards card for those with excellent credit... Read full review
 Apply for Chase Sapphire Preferred® CardApply for Citi ThankYou® Premier Card
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    Articles on Chase Sapphire Preferred® Card

      Chase Sapphire Preferred Review: Generous Bonus Points and Premium Rewards

      Chase Sapphire Preferred Review

      December 9, 2011 - By David R - Reviews for Chase Sapphire Preferred
      The Chase Sapphire Preferred card offers a very generous point bonus and extra travel rewards to those with excellent credit. Keep in mind, the card does have an annual fee. It is the premium version of the Chase Sapphire Card.

      Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser's affiliate programs.


    Compare Chase Sapphire Preferred to:

    Chase Sapphire Card
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    15.99% (Variable)
    $0

    Barclaycard Arrival World MasterCard - Earn 2x on All Purchases
    Introductory Bonus Airline RewardsAirline RewardsTravel RewardsTravel Accident InsuranceEmergency Assistance
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    0% for 12 months
    0% for 12 months
    14.99% or 18.99%* (Variable)
    $89 - Waived first year

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    Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.