Chase Sapphire Reserve vs Citi Double Cash: Which Is Better In 2025?

Citi Double Cash® Breakdown

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Why We Like It

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This section highlights the key reasons we're fans of the Citi Double Cash® Card.

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• It offers a straightforward and rewarding cash back structure on all purchases with no annual fee.
• The card provides a lengthy introductory period for balance transfers, making it a strong choice for managing existing debt.
• Transferring a $5,000 balance could save you around $1,500 in interest over the promotional period, even after accounting for the initial transfer fee (publisher-formulated estimate).

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Pros

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• High flat-rate cash back on every purchase, with no need to track or activate bonus categories.
• No annual fee, allowing you to maximize your rewards without an offsetting yearly cost.
• One of the longest introductory balance transfer offers available, making it a powerful tool for debt consolidation.

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Cons

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• It's not well-suited for international travel, as it charges a foreign transaction fee and lacks common travel protections.
• While it has a strong balance transfer offer, the introductory 0% APR doesn't extend to new purchases, and transfers are subject to a fee.

Citi Double Cash® vs Chase Sapphire Reserve®

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Categories

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When deciding which is better, Chase Sapphire Reserve® or Citi Double Cash®, it's crucial to understand that these cards are designed for very different types of users and financial goals.

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• Chase Sapphire Reserve® is built for frequent travelers who can take full advantage of its premium travel benefits, including airport lounge access and enhanced rewards on travel and dining.
• Citi Double Cash® Card excels for users seeking straightforward, flat-rate cash back on all purchases or those looking to take advantage of its introductory offer for balance transfers.

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Redemption

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Chase Sapphire Reserve®: Points are most valuable when redeemed for travel through the Chase Ultimate Rewards® portal or transferred to airline and hotel partners. This flexibility allows cardholders to maximize the value of their rewards for premium travel experiences.

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Citi Double Cash® Card: This card offers straightforward cash back that can be redeemed as a statement credit, direct deposit, or check. It's designed for simplicity, providing a consistent return on spending without the need to navigate complex travel portals or transfer partners.

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Travel Perks

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• Chase Sapphire Reserve®: This card is a powerhouse for travelers, offering a robust ecosystem of perks. It includes a $300 Annual Travel Credit; the first $300 spent on travel annually goes toward this credit, and cardholders begin earning points on travel purchases only after the credit is used. Cardholders also enjoy complimentary airport lounge access and pay no foreign transaction fees on international purchases. Points can be redeemed for increased value through the Chase Ultimate Rewards® travel portal or transferred to various airline and hotel partners. The card also comes with a suite of travel protections, such as trip cancellation insurance and an auto rental collision damage waiver.
• Citi Double Cash® Card: This card’s travel features are minimal, as it is designed for straightforward cash back rather than travel rewards. It does not offer premium perks like airport lounge access or travel credits. Cardholders should also be aware that it charges a foreign transaction fee, making it less suitable for spending abroad. While the rewards earned are flexible, they are redeemed as simple cash back and do not offer the enhanced value for travel that the Chase Sapphire Reserve® provides.

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Compare Top Rated Credit Cards with Kudos

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Kudos offers a comprehensive platform to compare nearly 3,000 credit cards, allowing you to make data-driven decisions based on your actual spending habits rather than generic recommendations.

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• Test drive a credit card: Before you apply, you can simulate your potential earnings with any card using your real spending data. This feature provides a personalized projection of annual rewards and net value after fees.
• Approval odds analysis: Get a detailed analysis of your likelihood of being approved for various cards based on your credit report.
• Welcome offer guarantee: If you find a better welcome offer for a card within three months of getting it through Kudos, the platform will match it.
• Kudos Boost: Earn extra rewards on top of your existing credit card rewards when you shop at participating stores.
• Personalized recommendations: Discover new credit cards with personalized matches based on your spending history.

Who Should Choose the Chase Sapphire Reserve®?

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The Chase Sapphire Reserve® is designed for the frequent traveler who sees a high annual fee as a worthwhile investment for top-tier travel perks. According to a Chase Sapphire Reserve review, this card best suits those who spend significantly on travel and dining, allowing them to take full advantage of benefits like the $300 annual travel credit and Priority Pass™ Select lounge access. It's also an excellent choice for points enthusiasts who want to maximize their rewards by transferring them to Chase's extensive network of airline and hotel partners.

Who Should Choose the Citi Double Cash®?

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The Citi Double Cash® Card is a strong contender for two distinct types of users: those who value simplicity in their rewards and those looking to tackle existing debt. Its straightforward 2% cash back structure—1% when you buy and another 1% as you pay—appeals to anyone who wants to earn high rewards on everyday spending without tracking bonus categories. Meanwhile, its lengthy 18-month 0% intro APR on balance transfers makes it an excellent choice for consolidating and paying down high-interest balances.

Alternatives to Consider

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If our Chase Sapphire Reserve® vs Citi Double Cash® comparison has left you feeling like neither card is the perfect match, don't worry. There are plenty of other excellent credit cards on the market that might better suit your spending habits and financial goals.

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Tips for Application Success

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Before You Apply

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• Check your credit score: Ensure your credit profile aligns with the card's typical approval requirements.
• Plan your spending: Make sure you can naturally meet the welcome offer's spending requirement without forcing purchases.
• Review benefit requirements: Understand if key perks require enrollment or specific actions to activate.

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Application Strategy

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• Know the issuer rules: Understand any application restrictions, such as limits on recently opened accounts.
• Check product family restrictions: Review rules that may make you ineligible for a welcome offer if you have or recently had a similar card.
• Apply with a goal in mind: Align your application with a specific purpose, like using a balance transfer offer to manage debt.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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What is an annual fee and is it worth paying?

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An annual fee is a yearly charge for keeping a credit card account open. Whether it's worth paying depends on if you can get more value from the card's benefits and rewards than the cost of the fee itself.

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How do travel rewards compare to cash back?

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Travel rewards, like points, can offer outsized value when redeemed for flights or hotels, but they often require more effort to maximize. Cash back is simpler and more flexible, giving you a direct statement credit or deposit.

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Can I have both the Chase Sapphire Reserve and the Citi Double Cash card?

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Yes, many people use both cards as part of a broader credit card strategy. This allows you to use the Citi Double Cash for everyday spending and the Chase Sapphire Reserve for its premium travel benefits and bonus categories.

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