Chase Sapphire Most popular Card Versus Citi Premier Card: Which Is Higher? 

There are lots of journey rewards bank cards with annual charges of slightly below $100. Most of those playing cards are co-branded with airline and lodge applications. And whereas these frequent flyer and lodge playing cards have their benefits, savvy reward card customers are flocking in the direction of non co-branded playing cards that supply rewards which will be transferred to airline miles with a number of completely different carriers. As a substitute of locking you into the rewards program of a single airline or lodge, these playing cards mean you can redeem your rewards with over a dozen frequent flyer applications. And every certainly one of these applications may doubtlessly give you the prospect to redeem its miles for award flights on over a dozen of its companion airways. Actually, the largest drawback of those applications will be the staggering variety of choices that you’ve got once you’re making an attempt to determine the way to redeem your factors for an award flight.

Two of the highest playing cards that supply this means are the Chase Sapphire Most popular® Card and the Citi Premier℠ Card. Let’s check out these two playing cards and see which one could also be best for you.

Chase Sapphire Most popular® Card

This card presently provides new candidates 60,000 bonus factors after spending $4,000 inside three months of account opening. It additionally provides 2x factors on all journey and eating purchases. These factors are earned within the Final Rewards program, which provides transfers to each airline miles and lodge factors together with United, Southwest, Singapore, and Hyatt. Factors are additionally price 1.25 cents every in the direction of journey reservations booked by means of Chase’s Final Rewards Journey Middle, which is now powered by Expedia. There’s a $95 annual price for this card, and no overseas transaction charges.

Citi Premier℠ Card

Citi is presently providing 50,000 bonus ThankYou® Factors after spending $4,000 inside three months of account opening. You additionally earn 3 factors per greenback spent on journey together with fuel stations, 2x factors for purchases at eating places and on leisure and one level per greenback spent elsewhere. Factors will be transferred to frequent flyer miles with over a dozen airways, or will be redeemed for 1.25 cents every in the direction of airfare with any airline when booked by means of the ThankYou^® Journey Middle. There’s a $95 annual price for this card that’s waived the primary 12 months, and no overseas transaction charges.

Which is best for you?

Each playing cards have some robust benefits and important disadvantages, and also you’ll have to decide on the proper card for you based mostly in your wants. Proper now, the Chase Sapphire Most popular® Card provides new candidates extra bonus factors than the Citi Premier℠ Card, however the Citi card’s annual price is waived for the primary 12 months. Chase additionally provides a number of airline switch companions that’s greatest fitted to US vacationers, together with United and Southwest. Chase additionally provides worthwhile lodge companions like Hyatt, whereas Citi now not has any lodge switch companions. Lastly, you’ll be able to mix the Final Rewards factors you earn from this card with factors you earn from different Chase playing cards just like the Freedom, Freedom Limitless and Ink enterprise playing cards.

Alternatively, the Citi Premier provides 3x factors on journey and fuel, whereas the Sapphire Most popular solely provides 2x on journey and 1x on fuel. The Citi Premier additionally provides you 2x factors on leisure; whereas the Sapphire Most popular solely helps you to earn 1x.

In the long run the deciding issue could be the record of airline switch companions, as you need to see which card’s companions can give you essentially the most worth to your factors. By carefully analyzing the options and advantages of each of those aggressive playing cards, you’ll discover the one that most closely fits your wants.

Above picture by A. and I. Kruk