Which card has a lower annual fee, Chase Sapphire Reserve Business or Citi Double Cash Card?

The Citi Double Cash Card has no annual fee, compared to $795 for the Chase Sapphire Reserve Business.

Which card earns more cash back, Chase Sapphire Reserve Business or Citi Double Cash Card?

The Chase Sapphire Reserve Business earns 1.0% base cash back, while the Citi Double Cash Card earns 2.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Chase Sapphire Reserve Business better than the Citi Double Cash Card?

It depends on your spending. If you spend more on categories where the Chase Sapphire Reserve Business offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Sapphire Reserve for Business℠ Credit Card vs Citi Double Cash® Card: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.

Choosing between the Sapphire Reserve for Business℠ Credit Card ($795/yr) and the Citi Double Cash® Card (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.

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Meet the Contenders

Chase Sapphire Reserve Business

Strongest in travel at 4%. 8x on Chase Travel, 4x on flights/hotels direct, 3x on ads.

Annual fee: $795 Sign-up bonus: 200,000 points after $30,000 spend in 6 months Foreign fees: 0%

Perfect if: You book through the issuer's own site and want premium perks to offset the fee.

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Citi Double Cash Card

Unlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.

Annual fee: None Sign-up bonus: $200 after $1,500 spend in 6 months Foreign fees: 3%

Perfect if: You're comfortable booking through the issuer's own site for the best rate.

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Head-to-Head Comparison

Feature	Chase Sapphire Reserve Business	Citi Double Cash Card
Annual Fee	$795	$0
Sign-Up Bonus	200,000 points after $30,000 spend in 6 months	$200 after $1,500 spend in 6 months
Foreign Transaction Fee	0%	3%
Base Reward Rate	1%	2%
Travel Rewards	4%	2%
Rates with conditions not counted in the rows above	8% through Chase Travel Earns 8% only on travel booked through Chase Travel, Chase's own booking site. Flights and hotels booked direct earn 4%.	5% through Citi Travel Earns 5% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 2%.
Key Benefits	8x on Chase Travel, 4x on flights/hotels direct, 3x on ads.	Unlimited 2% cash back on all purchases.

The Verdict

Chase Sapphire Reserve Business pulls ahead for travel spending.

Citi Double Cash Card wins on dining, groceries, gas.

The $795/year fee difference means Chase Sapphire Reserve Business needs to earn about that much more in rewards to justify its cost.

Chase Sapphire Reserve Business carries $2,110/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.

Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.