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All comparisons
Head-to-head, 2026

Chase Sapphire Preferred Citi Custom Cash

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

Lower annual fee: Citi Custom Cash

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

Custom Cash

Annual fee
$0
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 5×Top eligible spend category
  • 5×Travel (hotels, car rentals, and attractions)
  • 1×All other purchases

Key benefits

  • Free FICO Credit Score · $0
  • Mastercard ID Theft Protection · $0
  • Zero Liability for Card Fraud · $0
Full Citi Custom Cash 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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