CITI PREMIER vs. CHASE SAPPHIRE PREFERRED (2022-2023)!

It’s time to compare 2 of the best travel credit cards in the mid-tier range, the Chase Sapphire Preferred vs. Citi Premier. Find out which one may be the better fit for you! Click “Show More” to see Ad Disclosure.

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WELCOME OFFER (Feb. 2022)
- Chase Sapphire Preferred (CSP): Earn 60,000 Ultimate Rewards points after spending $4K in purchases within the first 3 months. Approx. value towards travel = $750+.
- Citi Premier Card: Earn 60,000 Citi ThankYou points after spending $4K in purchases within the first 3 months. Approx. value towards travel = $600+

ANNUAL FEES
CSP = $95
Citi Premier = $95

EARNING POINTS
CSP
- 5X Travel (Portal) = 6.25%
- 3X Dining = 3.75%
- 3X Online Grocery = 3.75%
- 3X Select Streaming = 3.75%
- 2X Other Travel (Non Portal) = 2.5%
- 1X Other Purchases = 1.25%

Citi Premier
- 3X Flights = 3%
- 3X Hotels = 3%
- 3X Restaurants = 3%
- 3X Supermarkets = 3%
- 3X Gas Stations = 3%
- 1X Everything Else = 1%

REDEEMING POINTS (Value Per Point)

Travel (Transfer Partners)
- CSP: 1.8¢, avg.
- Citi Premier: 1.7¢, avg.

Travel (Portal)
- CSP: 1.25¢
- Citi Premier: 1.0¢

Cash Back (Statement Credit)
- CSP: 1.0¢
- Citi Premier: 1.0¢

CREDIT CARD BENEFITS

CSP
- Hotel Credit: $50 /yr., valid for Chase Ultimate Rewards portal bookings
- Hotel Benefits: Visa Signature Luxury Hotel Collection portal access
- Anniversary Bonus: Yes, equal to 10% of purchases made in prior year, issued in points
- Partner Benefits: DoorDash, Lyft, Peloton
- Foreign Transaction Fees: None
- Authorized Users: $0

Citi Premier Card
- Hotel Credit: $100/yr., valid on single hotel stays of $500+, excluding taxes & fees, via the Citi ThankYou portal
- Hotel Benefits: Mastercard Luxury Hotels & Resorts portal access
- Anniversary Bonus: None
- Partner Benefits: DoorDash, Lyft, HelloFresh, ShopRunner, Fandango
- Foreign Transaction Fees: None
- Authorized Users: $0

CHASE TRANSFER PARTNERS
Airline
- Aer Lingus AerClub
- Air Canada Aeroplan
- Air France KLM Flying Blue
- British Airways Executive Club
- Emirates Skywards
- Iberia Plus
- JetBlue TrueBlue
- Singapore Airlines KrisFlyer
- Southwest Airlines Rapid Rewards
- United MileagePlus
- Virgin Atlantic Flying Club
Hotel
- IHG Rewards
- Marriott Bonvoy
- World of Hyatt

CITI TRANSFER PARTNERS
Airline
- Aeromexico Club Premier
- Air France KLM Flying Blue
- Asia Miles
- Avianca LifeMiles
- Emirates Skywards
- Etihad Guest
- EVA Air
- InterMiles
- JetBlue TrueBlue
- Malaysia Airlines Enrich
- Qantas Frequent Flyer
- Qatar Airways Privilege Club
- Singapore Airlines KrisFlyer
- Thai Royal Orchid Plus
- Turkish Airlines Miles & Smiles
- Virgin Atlantic Flying Club
Hotel
- Choice Privileges
- Wyndham Rewards
Retail
- Sears Shop Your Way

INSURANCE & PROTECTIONS
- See video at 10 min 14 sec

WHICH IS BEST

CSP is best for…
- A single card covering many travel & at-home rewards categories
- More international transfer partners

Citi Premier is best for…
- Greater overall rewards value for simple redemptions via portal
- Insurance & protections

WHICH CREDIT CARD SHOULD YOU GET?

Get the CITI PREMIER CARD if you…
- Spend a lot on gas & grocery
- Want rewards that are great for travel & good for cash back
- Are willing to learn how to use transfer partners for higher value
- Value Citi’s transfer partners
- Don’t need / want insurance & protections for travel

Get the CHASE SAPPHIRE PREFERRED if you…
- Spend broadly on travel & dining
- Want rewards that are excellent for travel & good for cash back
- Want better value for easy redemptions via Chase portal
- Value Chase’s transfer partners
- Want insurance & protections for travel

AVOID BOTH CARDS IF YOU…
- Don’t travel much
- Prefer to earn cash back rewards
- Aren’t willing to pay an annual fee

Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.

#chasesapphire #citipremier #travelcreditcards