Mogul of Pineapples wrote:Well let's see here are a few things to consider:
Annual Fee: $95 for the Sapphire Preferred and $125 for the Citi Thank You Premier.
Regular Spending: 1 point per dollar on both credit cards
Category Spending: 1.2 points on gas/drugstores/groceries for Thank You Premier. None for Sapphire Preferred.
Travel Spending: 1 point per mile flown with Thank You Premier and 2 points per dollar with Sapphire Preferred thru their online travel website.
As you can see in my signature, you know which one I chose but I think it largely depends on your personal preference on spending. As a rule of thumb, if you spend a lot on airfare the Thank You Premier will be a better choice probably since you are awarded 1 point per mile of your flight which obviously adds up very fast. You can find out more in the CCF reviews here:
Citi Thank You Premier review
Chase Sapphire review (compares both versions side by side)
For the Sapphire Preferred....its actually 2x points on travel and dining and 3x points on travel booked through Ultimate Rewards.