Chase Sapphire Preferred® Card vs Citi Simplicity

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 Simplicity, a Balance Transfer and Low Interest card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Preferred has a $95 annual fee, while the Citi Simplicity has a $0 annual fee.

	Chase Sapphire Preferred® Card	Citi Simplicity® Card

	Credit Card Interest Rates & Fees
Introductory APR for Purchases	N/A	0%* introductory APR for 12 months*
Introductory APR for Balance Transfers	N/A	0%* introductory APR for 21 months*
Purchase APR	20.99% to 27.99% Variable based on your creditworthiness and other factors	18.49% to 29.24%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR	20.99% to 27.99% Variable based on your creditworthiness and other factors	18.49% to 29.24%* (Variable) based on your creditworthiness and other factors
Foreign Transaction Fee	$0	3% of each purchase transaction in US dollars.
Annual Fee	$95 annual fee	$0 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Offer	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Travel Rewards	Enjoy 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 Rewards	1:1 point transfer to leading airline and hotel loyalty programs
Bonus Hotel Rewards	$50 Annual Chase Travel Hotel Credit
Hotel Rewards	1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards	Enjoy 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.
Dining Rewards	3X points on dining
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: Generous bonus points Flexible travel rewards Travel, purchase and security protection $0 Foreign Transaction Fee Cons: $95 annual fee No intro APR
Bottom Line	High-earning rewards card for those with excellent credit... Read full review

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