The Chase Sapphire Reserve is best for individuals who travel frequently and can take advantage of the premium travel benefits and higher rewards rates, despite the high annual fee. The Citi Double Cash Card is better suited for those who prefer a simple, no-annual-fee card with a flat cash back rate on all purchases and may benefit from the introductory APR on balance transfers.
| Attribute | Chase Sapphire Reserve | Citi Double Cash Card |
|---|---|---|
| Annual Fee | $795 (increased from $550), $195 for each authorized user (increased from $75) | $0 |
| Sign-Up Bonus | 60,000 bonus points after spending $5,000 in the first 3 months. Potential increased bonus of 100,000 points plus a $500 Chase Travel credit (unconfirmed as of June 22, 2025). | Earn $200 cash back after spending $1,500 on purchases within the first 6 months of account opening. This is fulfilled as 20,000 ThankYou Points redeemable for $200 |
| Rewards Rate on Dining | 3 points per dollar on dining at restaurants worldwide (including takeout and eligible delivery), 10 points per dollar on Chase Dining purchases through Ultimate Rewards | Earn 2% cash back on dining purchases (1% when you buy and 1% when you pay) |
| Rewards Rate on Travel | 8 points per dollar on travel booked through Chase Travel, 4 points per dollar on flights and hotels booked directly, 1 point per dollar on all other travel | Earn 2% cash back on travel purchases (1% when you buy and 1% when you pay). Earn 5% total cash back on hotel, car rentals, and attractions booked through the Citi Travel portal |
| Rewards Rate on Other Purchases | 1 point per dollar on all other purchases | Earn 2% cash back on all other purchases (1% when you buy and 1% when you pay) |
| Foreign Transaction Fees | None | 3% of the U.S. dollar amount of each purchase |
| Travel Insurance Benefits | Trip cancellation and interruption insurance (up to $10,000 per person, $20,000 per trip), Trip delay reimbursement (up to $500 per covered traveler if delayed more than 6 hours), Emergency evacuation and transportation (up to $100,000), Baggage delay insurance, Lost luggage reimbursement (up to $3,000 per passenger), Travel accident insurance, Emergency medical and dental coverage (up to $2,500 with a $50 deductible), Auto rental collision damage waiver (primary coverage up to $75,000), Roadside Assistance | Trip Cancellation and Interruption Protection (up to $5,000 per trip), Trip Delay Protection (up to $500 per person per trip), Global travel accident and lost luggage insurance |
| Purchase Protection | Covers new retail purchases for 120 days against damage, theft, or loss (up to $10,000 per claim, $50,000 per year) | The card no longer offers purchase protection benefits such as extended warranty or price rewind |
| Introductory APR | Not Available | 0% intro APR on balance transfers for 18 months |
| Regular APR | Varies based on creditworthiness | 18.24% - 28.24% variable, based on creditworthiness |
| Credit Score Required | Good to Excellent | Good/Excellent/Fair (580-850) |
| Redemption Options | Travel through Chase Travel, cash back, gift cards, transfer to travel partners, pay with points for products/services | Statement credit, Direct deposit, Check, Gift cards, Shop with Points at Amazon, Travel, Transfer to airline and hotel partners (with Citi Premier or Prestige card) |