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2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

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Credit card comparison
Overview
	Chase Sapphire Reserve Chase · $795/yr	Citi / AAdvantage Executive World Legend Mastercard Citi · $695/yr
Annual fee	$795	$695 Lowest
Welcome offerCurrent public offer	100,000 points	125,000 miles
Rewards	Chase Ultimate Rewards	American AAdvantage
Foreign transaction fee	None	None
Network	Visa Infinite	Mastercard World Elite
Earn ratesPer $1 spent
Flights	4x Highest	1x
Hotels	4x Highest	1x
Dining	3x Highest	1x
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	$300 travel credit $500 hotel credit $250 select hotels · $250 one-time $120 Global Entry/TSA PreCheck · $120 every 4 years	$500 American Airlines Vacations credit $120 Avis & Budget rental credit $100 inflight and Admirals Club credit $120 Global Entry/TSA PreCheck · $120 every 4 years
Rideshare & transit	$10/mo Lyft credit · $10 monthly	$15/mo Lyft credit · $180/yr
Dining & delivery	$300 dining at 275+ restaurants $35/mo DoorDash + DashPass · $35 monthly	—
Entertainment & streaming	$300 event tickets StubHub $27/mo Apple TV & Music · $27 monthly	—
Shopping & wellness	$10/mo Peloton credits · $10 monthly	—
Perks & access— means none on record
Lounges	Air Canada Maple Leaf Lounge on Star Alliance (1 guest) 1,300+ Priority Pass lounges with 2 free guests 8 Chase Sapphire Lounges with 2 free guests	Admirals Club membership - up to $850 value
Hotel status & programs	IHG Platinum Elite with 60% bonus points, no stays	—
Airline perks	—	First checked bag free on domestic AA flights Enhanced Airport Experience Preferred boarding on all American flights
Other perks	$750 in credits plus elite status at $75k spend Dedicated Customer Support with 24/7 priority service No foreign transaction fees on international purchases Roadside Assistance with $50 reimbursement per incident Sapphire Reserve Experiences and Venue Benefits Travel and Emergency Assistance Services 24/7 Show 1 more Reserve Travel Designer complimentary planning service	Citi Entertainment® No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
Trip insurance	Emergency Evacuation up to $100,000 coverage Emergency Medical and Dental up to $2,500 Travel Accident Insurance up to $1,000,000 Trip cancellation insurance up to $10,000 per person Trip delay coverage up to $500 per ticket after 6 hours	Trip Cancellation & Interruption up to $5,000/trip Trip Delay Protection up to $500/trip
Baggage	Baggage insurance up to $3,000 for lost luggage	Lost Baggage Protection up to $3,000/traveler
Rental car	Primary rental car insurance up to $75,000	Worldwide Car Rental Insurance up to $75,000
Purchase & returns	Purchase protection up to $10,000 per claim for 120 days Return protection up to $500 per item within 90 days	Purchase Protection up to $10,000/incident
Extended warranty	Extended warranty adds 1 year to manufacturer coverage	Extended Warranty — +24 months, up to $10,000/item
Other protections	—	Comprehensive identity theft monitoring
Pros & cons
Pros	Up to $2,060 in annual credits and promos can more than cover the $795 fee Priority Pass Select with 2 guests included Exclusive Chase Sapphire Lounge access Primary rental car coverage saves $15-30/day Points Boost values points at up to 2 cents each on select flights and hotels through Chase Travel	—
Cons	$795 annual fee is substantial commitment 5/24 rule restricts applicants with recent cards Credits require specific spending patterns to use $195 authorized user fee with no free users No 0% intro APR offer	—
	Card details	Card details

Chase Sapphire Reserve
Chase · $795/yr
Citi / AAdvantage Executive World Legend Mastercard
Citi · $695/yr

Overview

Annual fee: Chase Sapphire Reserve
$795
Citi / AAdvantage Executive World Legend Mastercard
$695
Lowest
Welcome offerCurrent public offer: Chase Sapphire Reserve
100,000 points
Citi / AAdvantage Executive World Legend Mastercard
125,000 miles
Rewards: Chase Sapphire Reserve
Chase Ultimate Rewards
Citi / AAdvantage Executive World Legend Mastercard
American AAdvantage
Foreign transaction fee: Chase Sapphire Reserve
None
Citi / AAdvantage Executive World Legend Mastercard
None
Network: Chase Sapphire Reserve
Visa Infinite
Citi / AAdvantage Executive World Legend Mastercard
Mastercard World Elite

Earn ratesPer $1 spent

Flights: Chase Sapphire Reserve
4x
Highest
Citi / AAdvantage Executive World Legend Mastercard
1x
Hotels: Chase Sapphire Reserve
4x
Highest
Citi / AAdvantage Executive World Legend Mastercard
1x
Dining: Chase Sapphire Reserve
3x
Highest
Citi / AAdvantage Executive World Legend Mastercard
1x
Everything else: Chase Sapphire Reserve
1x
Citi / AAdvantage Executive World Legend Mastercard
1x

Statement creditsAs the issuer states them · — means none on record

Travel: Chase Sapphire Reserve
$300 travel credit
$500 hotel credit
$250 select hotels · $250 one-time
$120 Global Entry/TSA PreCheck · $120 every 4 years
Citi / AAdvantage Executive World Legend Mastercard
$500 American Airlines Vacations credit
$120 Avis & Budget rental credit
$100 inflight and Admirals Club credit
$120 Global Entry/TSA PreCheck · $120 every 4 years
Rideshare & transit: Chase Sapphire Reserve
$10/mo Lyft credit · $10 monthly
Citi / AAdvantage Executive World Legend Mastercard
$15/mo Lyft credit · $180/yr
Dining & delivery: Chase Sapphire Reserve
$300 dining at 275+ restaurants
$35/mo DoorDash + DashPass · $35 monthly
Citi / AAdvantage Executive World Legend Mastercard
—
Entertainment & streaming: Chase Sapphire Reserve
$300 event tickets StubHub
$27/mo Apple TV & Music · $27 monthly
Citi / AAdvantage Executive World Legend Mastercard
—
Shopping & wellness: Chase Sapphire Reserve
$10/mo Peloton credits · $10 monthly
Citi / AAdvantage Executive World Legend Mastercard
—

Perks & access— means none on record

Lounges: Chase Sapphire Reserve
Air Canada Maple Leaf Lounge on Star Alliance (1 guest)
1,300+ Priority Pass lounges with 2 free guests
8 Chase Sapphire Lounges with 2 free guests
Citi / AAdvantage Executive World Legend Mastercard
Admirals Club membership - up to $850 value
Hotel status & programs: Chase Sapphire Reserve
IHG Platinum Elite with 60% bonus points, no stays
Citi / AAdvantage Executive World Legend Mastercard
—
Airline perks: Chase Sapphire Reserve
—
Citi / AAdvantage Executive World Legend Mastercard
First checked bag free on domestic AA flights
Enhanced Airport Experience
Preferred boarding on all American flights
Other perks: Chase Sapphire Reserve
$750 in credits plus elite status at $75k spend
Dedicated Customer Support with 24/7 priority service
No foreign transaction fees on international purchases
Roadside Assistance with $50 reimbursement per incident
Sapphire Reserve Experiences and Venue Benefits
Travel and Emergency Assistance Services 24/7
Show 1 more
Reserve Travel Designer complimentary planning service
Citi / AAdvantage Executive World Legend Mastercard
Citi Entertainment®
No foreign transaction fees

Protections & insuranceLimits where published · — means none on record

Trip insurance: Chase Sapphire Reserve
Emergency Evacuation up to $100,000 coverage
Emergency Medical and Dental up to $2,500
Travel Accident Insurance up to $1,000,000
Trip cancellation insurance up to $10,000 per person
Trip delay coverage up to $500 per ticket after 6 hours
Citi / AAdvantage Executive World Legend Mastercard
Trip Cancellation & Interruption up to $5,000/trip
Trip Delay Protection up to $500/trip
Baggage: Chase Sapphire Reserve
Baggage insurance up to $3,000 for lost luggage
Citi / AAdvantage Executive World Legend Mastercard
Lost Baggage Protection up to $3,000/traveler
Rental car: Chase Sapphire Reserve
Primary rental car insurance up to $75,000
Citi / AAdvantage Executive World Legend Mastercard
Worldwide Car Rental Insurance up to $75,000
Purchase & returns: Chase Sapphire Reserve
Purchase protection up to $10,000 per claim for 120 days
Return protection up to $500 per item within 90 days
Citi / AAdvantage Executive World Legend Mastercard
Purchase Protection up to $10,000/incident
Extended warranty: Chase Sapphire Reserve
Extended warranty adds 1 year to manufacturer coverage
Citi / AAdvantage Executive World Legend Mastercard
Extended Warranty — +24 months, up to $10,000/item
Other protections: Chase Sapphire Reserve
—
Citi / AAdvantage Executive World Legend Mastercard
Comprehensive identity theft monitoring

Pros & cons

Pros: Chase Sapphire Reserve
Up to $2,060 in annual credits and promos can more than cover the $795 fee
Priority Pass Select with 2 guests included
Exclusive Chase Sapphire Lounge access
Primary rental car coverage saves $15-30/day
Points Boost values points at up to 2 cents each on select flights and hotels through Chase Travel
Citi / AAdvantage Executive World Legend Mastercard
—
Cons: Chase Sapphire Reserve
$795 annual fee is substantial commitment
5/24 rule restricts applicants with recent cards
Credits require specific spending patterns to use
$195 authorized user fee with no free users
No 0% intro APR offer
Citi / AAdvantage Executive World Legend Mastercard
—

Card details

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