Chase Sapphire Reserve® vs Citi Double Cash

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Reserve is an ultra premium credit card for luxury travelers. How does it compare to Citi Double Cash, a cash back card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Reserve has a $550 annual fee, while the Citi Double Cash has a $0 annual fee.

	Chase Sapphire Reserve®	Citi® Double Cash Card

	Credit Card Interest Rates & Fees
Introductory APR for Balance Transfers	N/A	0%* introductory APR for 18 months*
Purchase APR	21.99% to 28.99% Variable based on your creditworthiness and other factors	18.49% to 28.49%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR	21.99% to 28.99% Variable based on your creditworthiness and other factors	18.49% to 28.49%* (Variable) based on your creditworthiness and other factors
Foreign Transaction Fee	$0	3% of each purchase transaction in US dollars.
Annual Fee	$550 annual fee	$0 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Cash Back		Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening
Introductory Bonus Offer	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Cash Back Rewards		Earn cash back twice on every purchase: 1% cash back when you buy; plus an additional 1% cash back as you pay for those purchases
Travel Rewards	Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. 1:1 point transfer to leading airline and hotel loyalty programs
Airline Rewards	1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards	1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards	Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Airline Status	$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Complimentary Priority Pass™ Select membership for access to 1,300+ airport lounges worldwide. One-time enrollment required for Priority Pass Select
Dining Rewards	3x points on dining at restaurants
Airline Transfer Partners	Chase 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 & Cons	Pros: Bonus points Annual travel credit Elite travel benefits Cons: $550 annual fee No introductory annual fee No intro APR
Bottom Line	Ultra premium credit card for luxury travelers... Read full review

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Articles on Chase Sapphire Reserve®

Chase Sapphire Reserve Review

With excellent rewards and premium travel benefits, the Chase Sapphire Reserve® is meant for frequent travelers. Read on to decide if the $550 annual fee is worth it for you.

Chase Sapphire Reserve Credit Score

You usually need an excellent credit score for Chase Sapphire Reserve® (720+). But this is not the only factor. Here's how to improve your approval odds.

Chase Sapphire Reserve Lounge Access

Airport lounge access is one of the best benefit of Chase Sapphire Reserve®. Learn how to maximize this perk including what lounges you can enter, how to use it, and the guest policy.

Chase Sapphire Reserve Credit Limit

Many Chase Sapphire Reserve® users receive a credit limit of $10,000 - $25,000. Find out how Chase determines your credit limit and how to get an increase.