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All comparisons
Head-to-head, 2026

Chase Sapphire Preferred Citi AAdvantage Executive

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

Lower annual fee: Chase Sapphire PreferredBigger welcome offer: Citi AAdvantage Executive

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$937.5
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Travel · Chase Ultimate Rewards
  • 5×Rideshare · Chase Ultimate Rewards
  • 3×Online grocery stores · Chase Ultimate Rewards
  • 3×Dining · Chase Ultimate Rewards

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 Executive

Annual fee
$595
Network
mastercard
Welcome value
$1,250
Min spend
$15,000 / 5mo

Top earning rates

  • 10×Car rentals and hotels · American Airlines AAdvantage
  • 4×American Airlines purchases · American Airlines AAdvantage
  • 1×All other purchases · American Airlines AAdvantage

Key benefits

  • First checked bag free · $140
  • Global Entry or TSA PreCheck application fee credit · $120
  • Avis and Budget prepaid rental credit · $120
  • Monthly Lyft credit · $10
  • Monthly Grubhub statement credit · $10
Full Citi AAdvantage Executive 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.

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