Chase Sapphire Reserve (8.2/10) wins for most people. Citi Double Cash wins for a specific profile.
No-fee flat-rate cashback. The math floor. 2% everywhere, no fee, no categories to track.
Apply now →Frequent travelers who use airport lounges. Better than Preferred at $500+/month travel spend. Lounge access tips the math.
Apply now →| Citi Double Cash | Chase Sapphire Reserve | |
|---|---|---|
| Claire's score | 8.1/10 | 8.2/10 |
| Price | — | $550. |
| Top strength | 2% on everything (no categories) | $300 travel credit nearly halves the effective fee |
| Biggest drawback | No bonus categories | $550 annual fee requires high spend to justify |
Chase Sapphire Reserve is Claire's recommendation for most people reading this comparison. Score: 8.2/10. Better than Preferred at $500+/month travel spend. Lounge access tips the math.
Citi Double Cash (8.1/10) is the right choice for a specific situation: no-fee flat-rate cashback. If that describes you, the full review has the complete math.
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