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Updated December 11, 2014

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 $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 $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards(SM).
  • Earn 5,000 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 leading 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 APR15.99% (Variable) based on your creditworthiness and other factors13.99% to 22.99%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR15.99% (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 $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards(SM)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 leading 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 RewardsHotel RewardsHotel 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. 
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
Pros:
  • Bonus offer
  • 3x points for dining and entertainment
  • No foreign transaction fees
Cons:
  • $125 annual fee
  • No intro APR
Bottom LineHigh-earning rewards card for those with excellent credit... Read full reviewGood rewards card for people on the go... Read full review
 Apply for Chase Sapphire Preferred® CardApply for Citi ThankYou® Premier Card

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.

Blank fields indicate either the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

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.

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.


Articles on Chase Sapphire Preferred® Card

    paris

    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 a $95 annual fee. Read on to see if the Sapphire Preferred is worth it.

    Editorial Note: This content is not provided by Chase. 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 Chase.


Articles on Citi ThankYou® Premier Card

    Citi ThankYou Premier Review

    Citi ThankYou Premier Review

    October 17, 2014 - By Leah Norris - Reviews for Citi Thank You Premier
    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 dining and entertainment, double reward points for airfare and hotels, and a long list of travel protections. Read on to see if the card is worth the $125 annual fee (waived for the first year).

    Editorial Note: This content is not provided by Citi. 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 Citi.


Compare Chase Sapphire Preferred to:

The Platinum Card from American Express

The Platinum Card® from American Express

Introductory Bonus Reward PointsAirline RewardsPoint RewardsTravel Rewards
    Barclaycard Arrival Plus World Elite MasterCard

    Barclaycard Arrival Plus™ World Elite MasterCard®

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/A
    0% for 12 months (must be completed within first forty-five days of account opening)
    14.99% or 18.99%* Variable
    Introductory Bonus Airline RewardsAirline RewardsHotel RewardsTravel Rewards
      Blue Cash Preferred Card from American Express

      Blue Cash Preferred® Card from American Express

      Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
      0% on Purchases for 15 months
      0% on Balance Transfers for 15 months
      12.99% - 21.99% Variable
      Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards

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