New: Compare up to 3 cards side-by-side instantly Compare now →
Chase Sapphire Preferred vs Citi Custom Cash Card
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | Chase Sapphire PreferredChase | Citi Custom Cash CardCiti |
|---|---|---|
| Rating | 4.8/5 | 4.5/5 |
| Annual Fee | $95 | $0 |
| APR | 19.24% - 27.49% | 17.49% - 27.49% |
| Signup Bonus | 75,000 points after spending $5,000 in 3 months | $200 cash back after spending $1,500 in 6 months |
| Rewards Rate | 5X on Chase Travel, 3X on dining & streaming & online groceries, 2X on travel, 1X on everything else | 5% on your top eligible spend category each billing cycle (up to $500 spent), 4% on hotels/cars/attractions via Citi Travel, 1% on everything else |
| Credit Score | good | good |
| Pros | 5X on Chase Travel and 3X on dining, streaming, and online groceries 10% anniversary bonus points on prior year's spend No foreign transaction fees | 5% on your top spending category automatically — no activation needed 10 eligible 5% categories including dining, groceries, gas, streaming 0% intro APR for 18 months on balance transfers |
| Cons | $95 annual fee No airport lounge access Limited premium perks vs. Reserve | $500/billing cycle cap on 5% category Only 1% on non-top-category spending Limit of one Citi Custom Cash card per person |
| View Details → | View Details → |
[ 02 / 02 ]
·
Verdict
Our Pick: Chase Sapphire Preferred
With a 4.8/5 rating, the Chase Sapphire Preferred edges out the Citi Custom Cash Card (4.5/5). At $95/yr, the value proposition is strong. The Chase Sapphire Preferred is the gold standard for everyday travel rewards. With flexible Ultimate Rewards points that transfer to 14+ airline and hotel partners, it's the card that started the travel rewards revolution.