Citi Prestige vs Chase Sapphire Reserve Calculator

Calculate how many points you can earn with the Citi Prestige vs the Chase Sapphire Reserve side by side based on spend, benefits, and annual fees.

Citi ThankYou Points and Chase Ultimate Rewards Points can both be very valuable when it comes to booking free award travel. Outside of booking travel directly through each programs respective portal, you have the ability to transfer these points to airline and/or hotel partners to get values of up to 2 cents per point or more. Which program is better depends strictly on your spend pattern, how much you travel, and the benefits & perks both programs have to offer. Regardless of which program you choose, you're going to want to have either the Citi Prestige, Chase Sapphire Reserve, or AMEX Platinum Card in your wallet if you frequently travel. These cards feature superb returns on various bonus categories and provides many additional benefits that easily make up for the hefty annual fees.

Credit Card Currency

Citi ThankYou Points are worth 1 cent each when redeemed directly with Citi for travel, statement credits, cash back, and gift cards. If you're looking for the best value, Citi ThankYou Points can be transferred to over 10 airline partners which can give you values of 2 cents or more per point.

Chase Ultimate Rewards Points are worth 1.5 cents each for Chase Sapphire Reserve cardholders when redeemed directly through Chase's Ultimate Rewards Portal. Points can also be used for other redemptions such as cash back, statement credits, gift cards, and Apple merchandise. Ultimate Rewards Points can be transferred to 10 different partner programs which can also give you values of 2 cents or more per point.

Bonus Categories

The Citi Prestige Card features four bonus categories that earn extra ThankYou Rewards Points. Those categories are airfare, dining, hotels, and cruise line purchases. There is no limit to the amount of bonus points you can earn spending in these categories and there is no limit to the amount of points you can earn with the Citi Prestige in general.

The Chase Sapphire Reserve Card features two bonus categories that earn extra Ultimate Rewards Points. Those categories are travel and dining. Neither category has a cap on the amount of points you can earn and there is no limit to the amount of points you can earn using the Chase Sapphire Reserve in general.

Citi Prestige

  • 5x Airfare
    • Airfare must be purchased directly with the airline.
  • 5x Dining
    • Includes cafes, bars, lounges, and fast food restaurants.
    • Purchases at bakeries, certain restaurant/cafes inside department, grocery, or warehouse stores will not qualify for this bonus category.
  • 3x Hotel
    • Hotel must be booked directly with the hotel brand.
  • 3x Cruise Line
    • Cruise must be booked directly with the cruise line.
  • 1x Non-Category

Chase Sapphire Reserve

  • 10x Lyft
    • This is the best earnings you can earn on Lyft spend. I highly recommend using this card if you spend with the particular rideshare service.
    • All other Chase Ultimate Rewards and cash back credit cards earn either 5x points or 5% cash back.
  • 3x Travel
    • Chase considers travel to be:
      • Airlines
      • Hotels, Motels, Timeshares
      • Car Rental Agencies, Taxis, Buses, Trains, Limousines
      • Cruise Lines
      • Travel Agencies, Travel Sites
      • Ferries, Toll Bridges, Highways
      • Parking Lots, Garages
      • Anything else that codes as travel
  • 3x Dining
    • Chase considers the following to be dining:
      • Restaurants
      • Fast Food
      • Fine Dining
      • Diners
      • Coffee Shops (i.e. Starbucks)
      • Vending Machines
      • Bars
      • Cafés
      • Food Delivery Services
  • 1x Non-Category

Perks & Benefits

Both the Citi Prestige and Chase Sapphire Reserve are loaded to the brim with perks and benefits that easily makes up for the hefty annual fee present on both cards.

Citi Prestige

  • Complimentary 4th Night Free Perk
    • Must book 4 consecutive nights at any hotel through
    • Can be used twice per year.
  • Priority Pass Membership
    • Applies to primary and authorized users of the Citi Prestige Card.
    • Maximum of up to two guests or immediate family members (spouse, domestic partner and/or children under 18 years of age).
    • Additional guests will cost $27 per guest, per visit.
  • $250 Travel Credit
    • Applies to all purchases that Citi considers to be travel which includes:
      • Airlines
      • Hotels
      • Car rental agencies
      • Travel agencies/travel aggregators/tour operators
      • Gas stations, commuter transportation
      • Ferries
      • Commuter railways
      • Subways
      • Taxis/limousines/car services
      • Passenger railways
      • Cruise lines
      • Bridge and road tolls
      • Parking lots/garages
      • Campgrounds and trailer parks
      • Timeshares
      • Bus lines
      • Motor home/recreational vehicle rentals
      • Boat leases and rentals
  • Global Entry/TSA PreCheck Credit
  • Citi ThankYou Points Transfer
  • Cell Phone Protection

Chase Sapphire Reserve

  • Annual $300 Travel Credit
    • Based on your account anniversary.
    • Triggers on any purchase that Chase considers to be travel.
    • Very easy to use if you travel.
  • 50% Point Value Boost
    • You'll receive a 50% point boost when you redeem points on the Chase Ultimate Rewards Portal.
    • Bumps the value of Ultimate Rewards Points up to 1.5 cents for portal redemptions.
    • A smaller 25% point boost is offered on the Chase Sapphire Preferred and Chase Ink Business Preferred.
  • Global Entry / TSA PreCheck Credit
    • Only applies to the primary cardholder.
  • Priority Pass Select Membership
  • Lyft Pink Membership
    • One year complimentary membership which offers:
      • 15% off unlimited car rides
      • Priority airport pickups
      • 3 cancel fees waived per month if re-booked within 15 minutes
      • Waived lost and found fees
      • 3 free 30-min. bike or scooter rides per month
      • Seasonal discounts and exclusive savings/offers
    • Membership is normally $19.99 per month which equals $240 in cash value.
  • DoorDash DashPass Membership
    • Two years of complimentary membership which offers:
      • $0 delivery fees from participating restaurants
      • Reduced service fees
    • DashPass normally costs $9.99 per month which equals $120 in cash value.
  • Annual $60 DoorDash Credits
    • Applies to 2020 and 2021.
  • Luxury Hotel and Resort Collection
  • Insurance and Purchase Protections
    • Trip Cancellation and Interruption Insurance
    • Auto Rental Collision Damage Waiver
    • Lost Luggage Reimbursement
    • Trip Delay Reimbursement
    • Emergency Evacuation & Transportation
    • Purchase Protection
    • Return Protection
    • Extended Warranty Protection

Sign Up Bonus (SUB)

The standard sign up bonus for the Citi Prestige card is 50,000 ThankYou Points after spending $4,000 within the first three months. This is worth an easy $500 when redeemed directly with Citi, but you can also transfer these points to Citi's airline partners which will give you 50,000 airline miles which will easily give you more than $500 in value.

The standard sign up bonus for the Chase Sapphire Reserve is 50,000 Ultimate Rewards Points. This is worth $750 when you redeem them on the Ultimate Rewards Travel Portal. You can also transfer these points to Chase's airline and hotel partners which will give you 50,000 airline miles or hotel rewards points which can be worth more than $750.

Citi Prestige Sign Up Bonus
Bonus 50,000 Points
Spend Requirement
Within First 3 Months
Est. Value $500+
Chase Sapphire Reserve Sign Up Bonus
Bonus 50,000 Points
Spend Requirement
Within First 3 Months
Est. Value $750+


The Citi Prestige Card has an annual fee of $495, but comes with $250 in annual credits, the complimentary 4th night free perk, priority pass and more which can be worth the annual fee. The authorized user for the Citi Prestige Card is $50 per card which can help you build your points faster.

The Chase Sapphire Reserve has an annual fee of $550. The $300 annual travel credit makes up for a good chunk of the fee. Throw in the excellent travel benefits that comes with it and the solid earning rates and it can easily be worth more than the fee.

Both the Citi Prestige and Chase Sapphire Reserve have a 0% foreign transaction fee. This makes them both cards great for international travel and spending.

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Transfer Partners

Citi ThankYou Rewards Points and Ultimate Rewards Points are transferable to frequent flyer programs and hotel loyalty programs. If you plan on transferring rewards points to other programs, you'll want to take note of which programs allow you to transfer points where. This especially holds true if you have preferred hotel or airlines that you typically do business with. The transfer partners of both programs are listed below.

Rewards and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

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