Rewards Calculator: Citi Prestige vs Chase Sapphire Reserve

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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.

Rewards Rate Details

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 ThankYou.com.
    • Can be used twice per year.
  • Priority Pass Select 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 or TSA PreCheck Credit
    • Global Entry is for speeding through customs when re-entering the states; also grants TSA PreCheck if approved.
    • TSA PreCheck is for expedited screening through TSA checkpoints.
  • 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 or TSA PreCheck Credit
    • Global Entry for speeding through customs when re-entering the states; also grants TSA PreCheck if approved.
    • TSA PreCheck for expedited screening through TSA checkpoints.
  • 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

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 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.

Note! All category spend entered in the first column (primary column) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit cards based on spend, benefits, and fees.
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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$

Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
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Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
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Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
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Value:
Return:
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Updated 2020-07-21 By Robert Flowers III

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