Card Comparison
Chase Sapphire Reserve Business vs Citi Thank You
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$795/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 6 months
None
Top Earn Rates
- Chase Travel (including The Edit) 8x
- Lyft rides 5x
- flights & hotels booked direct 4x
- Gas Stations 5x
- All Other Purchases 1x
Reward Type
miles
miles
Key Credits
- Annual Travel Credit $300
- Stays with the Edit $250
- Priority Pass Select Membership $429
- +1 more
None
Card Perks
- Chase Sapphire Lounge (~$200/yr)
None listed
Transfer Partners
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
Common Questions: Chase Sapphire Reserve Business vs Citi Thank You
Is the Chase Sapphire Reserve Business or Citi Thank You better for dining?
Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.
Which has the higher signup bonus in 2026?
Chase Sapphire Reserve Business currently offers 200,000 pts signup bonus (spend $30,000 in 6 months). Citi Thank You offers no current bonus. Chase Sapphire Reserve Business has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Chase Sapphire Reserve Business and the Citi Thank You?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Sapphire Reserve Business is from Chase and Citi Thank You is from Citi, so they're governed by separate bank policies.