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Chase Sapphire Preferred® Card vs Citi AAdvantage

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 AAdvantage, an airline card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Preferred has a $95 annual fee, while the Citi AAdvantage has a $99 annual fee, waived for first 12 months*.

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Chase Sapphire Preferred® Card

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

 

Credit Card Interest Rates & Fees

Purchase APR20.99% to 27.99% Variable based on your creditworthiness and other factors20.49% to 29.49%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR20.99% to 27.99% Variable based on your creditworthiness and other factors20.49% to 29.49%* (Variable) based on your creditworthiness and other factors
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$95 annual fee$99 annual fee, waived for first 12 months*
 

Credit Card Rewards & Benefits

Introductory Bonus Airline Rewards Limited Time Offer: Earn 75,000 American Airlines AAdvantage® bonus miles after $3,500 in purchases within the first 4 months of account opening
Introductory Bonus OfferEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 
Travel RewardsEnjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. 
Airline Rewards1:1 point transfer to leading airline and hotel loyalty programsEarn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases; 1 AAdvantage® mile for every $1 spent on other purchases.
Bonus Hotel Rewards$50 Annual Chase Travel Hotel Credit 
Hotel Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Point RewardsEnjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. 
Airline Status Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card
Your first checked bag is free on domestic American Airlines itineraries (for you and up to four companions traveling with you on the same reservation).
Enjoy Preferred Boarding on American Airlines domestic flights.
Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights.
Gas Rewards Earn 2 AAdvantage miles for every $1 spent at gas stations
Dining Rewards3X points on diningEarn 2 AAdvantage miles for every $1 spent at restaurants
Airline Transfer PartnersChase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus. 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Generous bonus points
  • Flexible travel rewards
  • Travel, purchase and security protection
  • $0 Foreign Transaction Fee
Cons:
  • $95 annual fee
  • No intro APR
Bottom LineHigh-earning rewards card for those with excellent credit... Read full review
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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 may indicate 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.

Disclaimer: The information for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Citi AAdvantage: Pricing information including interest rates, rewards, benefits and fees was obtained on November 15, 2024 from published websites and is believed to be accurate, but not guaranteed.

Still need help deciding which airline credit card is better? Read the in-depth reviews below. You may also be interested in comparing Chase Sapphire Preferred or American Express Platinum.


Articles on Chase Sapphire Preferred® Card

Is Chase Sapphire Preferred Worth It

Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you.

Chase Sapphire Credit Score

Chase Sapphire Preferred® usually requires an excellent credit score (720+). But this is not the only deciding factor. Find out how to improve your odds.

Chase Sapphire Preferred Credit Score Needed

Chase Sapphire Preferred® usually requires great credit, which means 720 or more. However, many users can be approved with a lower score. Find out the credit requirements needed.

Chase Sapphire Preferred Rental Car Insurance

Chase Sapphire Preferred® offers primary coverage for rental cars. Learn what this covers, how to use it, and how to file a claim.

Chase Sapphire Preferred Credit Limit

Many Chase Sapphire Preferred® users receive a credit limit of $5,000 - $20,000. Find out how Chase determines your credit limit and how to get an increase.

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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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