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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
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 5×travel · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×online grocery · Chase Ultimate Rewards
  • 3×streaming services · Chase Ultimate Rewards

Key benefits

  • Primary Auto Rental CDW · $150
  • DoorDash DashPass · $120
  • Trip Cancellation/Interruption Insurance · $100
  • $50 Hotel Credit · $50
  • No Foreign Transaction Fees · $50
Full Chase Sapphire Preferred review

Citi

AAdvantage Executive

Annual fee
$595
Network
mastercard
Welcome value
$980
Min spend
$7,000 / 3mo

Top earning rates

  • 10×Hotels · AAdvantage
  • 10×Car Rentals · AAdvantage
  • 4×American Airlines · AAdvantage
  • 1×all other purchases · AAdvantage

Key benefits

  • Admirals Club Membership · $325
  • First Checked Bag Free · $280
  • Loyalty Point Bonus · $150
  • Avis & Budget Car Rental Credit · $120
  • Global Entry / TSA PreCheck Credit · $100
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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