Chase Sapphire Reserve for Business℠ vs Citi Double Cash®
Side-by-side comparison
| Chase Sapphire Reserve for Business℠ | Citi Double Cash® | |
|---|---|---|
| Annual fee | $795 | No annual fee |
| Welcome offer | $200 cash back | |
| Advertising | 1% | 2% |
| Shipping | 1% | 2% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 2% |
| Travel | 4% | 2% |
| Everything else | 1% | 2% |
| Est. yearly rewards* | $666 | $900 |
| Points type | Transfers to airlines & hotels | Pools with Citi → transferable |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Chase Sapphire Reserve for Business℠ earns about $666 a year in rewards and the Citi Double Cash® about $900, valuing every point at a flat 1 cent. The Chase Sapphire Reserve for Business℠ charges $795, but carries about $435 in annual statement credits that offset it for anyone who uses them. The Citi Double Cash® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Citi Double Cash® delivers more total value, about $812 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Chase Sapphire Reserve for Business℠ currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Chase Sapphire Reserve for Business℠ if your spending leans toward travel. Pick the Citi Double Cash® if your spending leans toward advertising, shipping, office supplies.