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All comparisons
Head-to-head, 2026

Chase Sapphire Preferred Citi AAdvantage Business

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Sapphire Preferred

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
~$750
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases
  • 5×Peloton equipment and accessory purchases over $150
  • 5×Lyft rides
  • 3×Online groceries

Key benefits

  • Complimentary Apple TV · $156
  • Complimentary DashPass Membership · $120
  • Global Entry, TSA PreCheck, or NEXUS Credit · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred review

Citi

AAdvantage Business

Annual fee
$595
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 2×Eligible American Airlines purchases · AAdvantage
  • 2×Gas stations and car rental merchants · AAdvantage
  • 2×Telecommunications merchants and cable and satellite providers · AAdvantage
  • 1×All other purchases · AAdvantage

Key benefits

  • Companion Certificate (Spend Tier) · $250
  • First checked bag free · $140
  • Preferred boarding · $0
  • Earn Loyalty Points · $0
  • 25% Inflight Savings · $0
Full Citi AAdvantage Business review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer