Credit Cards » Compare Credit Cards » Citi/AAdvantage Executive World Elite vs. Chase Sapphire Reserve
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Citi/AAdvantage Executive World Elite vs. Chase Sapphire Reserve

Both Citi/AAdvantage Executive and Chase Sapphire Reserve offer great cashback value, but the latter is our winner. Here's why:
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The Citi/AAdvantage Executive World Elite Mastercard and the Chase Sapphire Reserve® are both premium travel rewards credit cards that offer a variety of benefits to frequent travelers. 

However, there are some key differences between them – let's compare them side by side, including features, benefits, drawbacks, and target audience.

General Comparison

The Citi/AAdvantage Executive card is associated with American Airlines' AAdvantage program, making it an ideal choice for those who frequently fly with American Airlines. Cardholders receive Admirals Club membership, providing access to premium airport lounges, enhancing the overall travel experience.

On the other hand, the Chase Sapphire Reserve stands out as an excellent option for travelers seeking a flexible travel rewards card, applicable to a diverse range of travel expenditures such as flights, accommodations, car rentals, and dining.

Here's a side by side comparison of the card's main features:

Citi AAdvantage® Executive World Elite Mastercard®

Citi/AAdvantage Executive World Elite
Chase Sapphire Reserve
Annual Fee
$525
$550
Rewards
10X AAdvantage® miles on eligible rental cars/hotels through aa.com, 4X miles on eligible American Airlines purchases and 1X on all other purchases

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

Welcome bonus
70,000 American Airlines AAdvantage® bonus miles after spending $7,000 in purchases within the first 3 months of account opening
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
0% Intro APR
N/A
N/A
Foreign Transaction Fee
$0
$0
Purchase APR
21.24% – 29.99% (Variable)
22.49%–29.49% variable
Read Review
Read Review
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Point Rewards: Which Card Wins?

Based on our analysis, there is no clear winner here as both cards offer a high points rewards ratio. Therefore, which card is better depends heavily on your spending habits.

Citi AAdvantage® Executive World Elite Mastercard®

Spend Per Category
Citi/AAdvantage Executive World Elite
Chase Sapphire Reserve
$10,000 – U.S Supermarkets
10,000 miles
10,000 points
$5,000 – Restaurants
5,000 miles
15,000 points
$6,000 – Hotels
60,000 miles
60,000 points
$8,000 – Airline
32,000 miles
40,000 points
$4,000 – Gas
4,000 miles
4,000 points
Total Points
111,000 miles
129,000 points
Estimated Redemption Value
1 mile ~1.5 cents
1 point ~ 1 – 1.5 cent
Estimated Annual Value
$1,665
$1,290 – $1,935

Can I Transfer Chase Reserve Points To American Airlines?

No, the Chase Sapphire Reserve is part of the Chase Ultimate Rewards program, which has several airline and hotel transfer partners, and American Airlines is not one of them.

However, they can be transferred to other Oneworld alliance partners such as British Airways and Iberia. By transferring your Chase points to one of these airlines, you can indirectly use them to book flights with American Airlines.

To transfer Chase Ultimate Rewards points to British Airways or any other partner, you typically log in to your Chase account, navigate to the Ultimate Rewards portal, select the transfer option, and follow the instructions to complete the transfer. Here's an example:

Chase Sapphire Reserve Airline Transfer Partners - Aer Lingus, Air Canada, British Airways, Emirates
Chase Sapphire Reserve Airline Transfer Partners - Aer Lingus, Air Canada, British Airways, Emirates (Screenshot from Chase app)

Travel And Airline Benefits: Comparison

When it comes to extra travel perks and benefits, there is no clear winner, as both cards offer great (but sometimes different) benefits.

It includes lounge access, statement credits, and global TSA PreCheck reimbursement. Naturally, Citi Executive card benefits are more relevant for airlines, while the Chase Sapphire Reserve offers more general travel perks.

Here are the travel perks for each card:

Citi/AAdvantage Executive World Elite

Citi AAdvantage® Executive World Elite Mastercard®

  • First Checked Bag Free: Enjoy the benefit of a complimentary first checked bag on domestic American Airline itineraries for yourself and up to 8 companions traveling with you on the same reservation.
  • Enhanced Airport Experience: Receive priority check-in, screening, and boarding privileges for you and up to eight travel companions on the same reservation, enhancing your overall airport experience.
  • Admirals Club® Membership: Gain access to nearly 100 Admirals Club® and partner lounges worldwide, with the flexibility to bring immediate family or up to 2 guests.
  • Dedicated Concierge: Access a dedicated concierge service for expert assistance with foreign and domestic travel, shopping, dining, household, and entertainment needs.
  • TSA PreCheck® or Global Entry Application Fee Credit: Get a statement credit, up to $100 every 4 years, as reimbursement for your application fee for Global Entry or TSA PreCheck®.
  • 25% Savings on Inflight Food and Beverage: Receive a 25% savings on food and beverage purchases when using your card on American Airlines flights.
  • Up to $120 in Lyft Credits: Earn a $10 Lyft credit after taking 3 eligible rides in a calendar month, for a total of up to $120 Lyft credits annually.
  • Up to $120 Back on Eligible Avis® and Budget Car Rentals: Earn $1 statement credit per $1 spent on eligible Avis® and Budget car rental purchases, up to $120 every calendar year.
  • Up to $120 Back on Eligible Grubhub Purchases: Earn a statement credit of up to $10 per monthly billing statement on eligible Grubhub purchases, totaling up to $120 every 12 billing statements.
  • Loyalty Points Bonuses: Earn a 10,000 Loyalty Points bonus after reaching 50,000 Loyalty Points in a status qualification year, and an additional 10,000 Loyalty Points bonus after reaching 90,000 Loyalty Points in the same status qualification year.
Chase Sapphire Reserve

  • $300 Annual Travel Credit: Receive up to $300 in statement credit each year for various travel purchases.
  • 50% More Value for Travel Redemption: Redeem points for travel and get 50% more value, e.g., 60,000 points are worth $900.
Chase book hotel with points
Book hotel with points (Screenshot from Chase app)
  • Complimentary Airport Lounge Access: Enjoy free access to over 1,300 airport lounges worldwide for you and up to two guests.
  • Global Entry/TSA PreCheck/NEXUS Fee Credit: Receive up to $100 in statement credit every four years for application fees.
  • 24/7 Customer Service: Access dedicated customer service specialists around the clock.
  • Lyft Pink Membership: Get 2 complimentary years of Lyft Pink All Access, including discounts and rewards.
  • DoorDash DashPass Subscription: Enjoy a year of $0 delivery fees and lower service fees on eligible orders.
  • Monthly DoorDash Credit: Receive $5 in DoorDash credits each month through Dec 31, 2024.
  • Instacart Membership: Get 1 year of complimentary Instacart+ for grocery delivery.
  • Monthly Instacart Credit: Instacart+ members earn up to $15 in statement credits each month through July 2024.
  • Priority Pass Select Membership: Access 1,300+ VIP airport lounges worldwide.
  • Luxury Hotel & Resort Collection: Receive room upgrades, daily breakfast, late checkout, and other benefits at select hotels and resorts.
  • 10x on Peloton Purchases: Earn 10x total points on Peloton equipment and accessories over $150 through March 31, 2025.

When it comes to travel insurance and protections, Chase Sapphire Reserve card coverage is better than Citi Executive card coverage. Here are the protections for both cards:

  • $0 Liability On Unauthorized Charges: ensuring you are not held responsible for charges you did not authorize.

  • Car Rental Loss and Damage Insurance: When you reserve and pay for a rental vehicle with your Card, declining the rental counter's collision damage waiver, you can be protected against damage or theft in specific regions, subject to certain exclusions and limitations

  • Trip Delay Insurance: If your trip faces a delay of more than 6 hours due to a covered reason and you paid for the round-trip with your Eligible Card.

  • Baggage Insurance Plan: When you purchase a common carrier vehicle ticket with your Eligible Card, you can receive coverage for lost, damaged, or stolen baggage.

  • Trip Cancellation and Interruption Insurance: Buying a round-trip with your Card can assist in the event of trip cancellation or interruption, following the specified terms and conditions.

Chase Sapphire Reserve Travel insurance
The travel insurance policies available with the Chase Sapphire Reserve are comprehensive and robust. (Photo by Africa Studio/Shutterstock)

Travel Insurance And Protections: Comparison

However, some protections are available only for the Chase Sapphire Reserve card:

  • Travel Accident Insurance: Pay for air, bus, train, or cruise transportation with your card and get accidental death or dismemberment coverage of up to $1,000,000.

  • Travel and Emergency Assistance Services: Benefit from legal and medical referrals or other emergency assistance away from home, with coverage for incurred costs (excluding goods or services obtained).

  • Travel and Emergency Assistance Services: Offers access to legal and medical referrals and other travel emergency assistance when you encounter problems away from home.
  • Emergency Evacuation and Transportation: Provides coverage for medical services and transportation in case of an emergency evacuation during a trip far from home.
  • Roadside Assistance: Offers roadside services like towing, jumpstarts, tire changes, locksmith, or gas.
  • Emergency Medical and Dental Benefit: Provides reimbursement of up to $2,500 for medical expenses if you or an immediate family member become sick or injured while 100 miles or more from home on a trip.
  • Purchase Protection: Covers new purchases against damage or theft for 120 days.
  • Return Protection: Reimburses eligible items that the store won't accept returns for within 90 days of purchase.
  • Extended Warranty Protection: Extends the time period of U.S. manufacturer's warranties by an additional year on eligible warranties of three years or less.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Want The Citi/AAdvantage Executive?

You might prefer the Citi/AAdvantage Executive card over the Chase Sapphire Reserve card in the following situations:

  • Dedicated American Airlines Traveler: Opt for the Citi/AAdvantage Executive World Elite if you frequently fly with American Airlines, as it offers exclusive perks like Admirals Club membership, priority check-in, and free first checked bags, enhancing your overall travel experience.

  • Looking To Earn Miles For Flights: based on our analysis, both cards offer great points/miles rewards ratio. Therefore, if you're mainly focused on earning miles to redeem for flights, the Citi Executive card may be a better option.

When You Might Want The Chase Sapphire Reserve?

You might prefer the Chase Sapphire Reserve card over the Citi/AAdvantage Executive card in the following situations:

  • You Want Many Redemption Options: The Chase Sapphire Reserve® offers more flexibility with its redemption options. You can redeem your points for travel through Chase Ultimate Rewards®, transfer them to airline and hotel partners, or use them to pay for cash back. This flexibility is a major advantage over the Citi card, which primarily restricts redemption to American Airlines-related rewards.

  • You Want Comprehensive Travel Insurance: If travel insurance is a priority, the Chase Sapphire Reserve provides extensive coverage, including trip cancellation insurance, trip interruption insurance, and primary car rental insurance. This makes it a preferable option for travelers seeking comprehensive protection during their journeys.

Chase redeem points for experience
(Screenshot from Chase app)

Compare The Alternatives

If you're looking for a travel rewards credit card– there are some excellent alternatives you may want to consider:

amex brilliant

amex platinum

Delta SkyMiles® Reserve American Express Card

Marriott Bonvoy Brilliant® American Express® Card
The Platinum Card® from American Express
Delta SkyMiles® Reserve American Express
Annual Fee
Rewards
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
1X – 3X 3X miles per dollar on eligible Delta flights and Delta Vacations® with 1X miles on all other purchases
Welcome bonus
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership
95,000 miles Earn 95,000 bonus miles after you spend $6,000 in purchases on your new card in your first six months
Foreign Transaction Fee
$0
$0
Purchase APR
20.99% – 29.99% Variable
21.24% – 29.24% APR Variable
20.99%-29.99% Variable

Compare Citi/AAdvantage Executive World Elite

The Citi/AAdvantage Executive offers better cashback value and perks than the Platinum Select, but usually it doesn't worth the annual fee.

Citi/AAdvantage Executive World Elite vs. Citi/AAdvantage Platinum Select

When it comes to premium travel cards, these two offer nice perks and benefits. But who is the winner between the two?

Here's our analysis: United Club Infinite vs AAdvantage Executive Elite Mastercard

The AAdvantage Executive card offers higher cashback value, but when it comes to premium travel perks, the Amex Platinum is the winner.

Citi/AAdvantage Executive World Elite vs. Amex Platinum Card: Compare Cards

The AAdvantage Executive is a clear winner when it comes to cashback value. But the Delta SkyMiles Reserve wins at premium airline perks.

Citi/AAdvantage Executive World Elite vs. Delta SkyMiles Reserve: Compare Cards

Compare Chase Sapphire Reserve Card

When it comes to the annual fee, there is a clear winner. But is it worth the exclusive travel rewards you'll get? Here's our analysis.

Chase Sapphire Preferred vs Reserve: Which is Better?

While Chase Sapphire Reserve offers better protections and redemption options, Venture X is cheaper and offers premium travel benefits.

Chase Sapphire Reserve vs. Capital One Venture X: Comparison

If you're looking for travel rewards, there is a clear winner. But what about if you're looking for rewards on everyday spending?

American Express Gold Card vs Chase Sapphire Reserve: Which Card Is Best?

When it comes to premium travel rewards, both may be the best cards in the market. But who is the winner between the two? Here's our analysis.

American Express Platinum vs Chase Sapphire Reserve: Which Is Better?

The Chase Sapphire Reserve offers more versatile travel rewards and redemption options. But if you need airline perks, the Delta Reserve wins.

Chase Sapphire Reserve vs. Delta SkyMiles Reserve: Comparison

While the Brilliant card focuses on benefits tailored to Marriott enthusiasts, the Chase Reserve focuses on general, luxury travel perks.

Marriott Bonvoy Brilliant vs. Chase Sapphire Reserve: How They Compare?

While both cards offer premium travel perks, the Chase Reserve is the winner as it provides better travel perks and more redemption options.

Bank of America Premium Rewards Elite vs. Chase Sapphire Reserve: Which Card Is Best?

The Chase Reserve wins on cashback rates, travel perks, and insurance. Is it worth the annual fee difference? We think it does – here's why.

Chase Sapphire Reserve vs. Delta SkyMiles Platinum: Side By Side Comparison

The Hilton Amex Aspire offers excellent value for hotel perks, while the Chase Reserve card is best for flexibility and redemption options.

Chase Sapphire Reserve vs. Hilton Amex Aspire: Side By Side Comparison

While having higher annual fee, the Chase Sapphire Reserve is a clear winner with much higher total cashback and better premium travel perks.

United Quest vs. Chase Sapphire Reserve: How They Compare?

The Chase Sapphire Reserve card stands out as the superior choice, delivering greater annual cashback value and luxurious travel benefits.

Chase Sapphire Reserve vs. Emirates Skywards Premium World Elite Mastercard: Which Card Is Best?

Despite being a pricier card, the Chase Sapphire Reserve is our top choice because of its generous cashback system and luxury travel perks.

U.S. Bank Altitude Reserve Visa Infinite vs. Chase Sapphire Reserve: How They Compare?

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.