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Card vs Card Comparison

Chase Sapphire Preferred
vs
Citi Strata Premier.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

Chase

Chase Sapphire Preferred

Annual fee

$95

Points

Ultimate Rewards

Signup bonus

75K points after $4K in 3 months

Top earning rates

  • →5x on Chase Travel
  • →3x on dining, online grocery, and streaming
  • →2x on other travel

Top perks

  • →$50 annual hotel credit on Chase Travel
  • →10% point bonus on your cardmember anniversary
  • →Primary rental car insurance
See Chase Sapphire Preferred detailsarrow_forward

Citi

Citi Strata Premier

Annual fee

$95

Points

Citi ThankYou

Signup bonus

60K points after $4K in 3 months

Top earning rates

  • →3x on flights, hotels, restaurants, gas, EV charging, grocery, and streaming
  • →1x everywhere else

Top perks

  • →$100 annual hotel credit on stays of $500+
  • →No foreign transaction fee
  • →Citi transfer partners including Singapore, Cathay, Avianca, and Etihad
See Citi Strata Premier detailsarrow_forward

The verdict

When each card wins.

Chase Sapphire Preferred wins if

Pick this if you want the best $95-fee travel card on the market and access to Chase transfer partners.

Honest downside: No lounge access. No $300 travel credit. High spenders will outgrow it quickly.

Citi Strata Premier wins if

Pick this if you want the best 3x-on-everything-travel card at a $95 fee, plus access to Asia-region airline partners.

Honest downside: Smaller transfer partner list than Chase or Amex. Less prestige, but strong value for the money.

At a glance

Side-by-side spec sheet.

SpecChase Sapphire PreferredCiti Strata Premier
Annual fee$95$95
Points currencyUltimate RewardsCiti ThankYou
Signup bonus75K points60K points
Top earn category5x on Chase Travel3x on flights, hotels, restaurants, gas, EV charging, grocery, and streaming
Second earn category3x on dining, online grocery, and streaming1x everywhere else
Third earn category2x on other travelStandard 1x earn
Signature perk$50 annual hotel credit on Chase Travel$100 annual hotel credit on stays of $500+
IssuerChaseCiti

Questions

Frequently asked.

Which is better, Chase Sapphire Preferred or Citi Strata Premier?

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Chase Sapphire Preferred wins if you want the best $95-fee travel card on the market and access to Chase transfer partners. Citi Strata Premier wins if you want the best 3x-on-everything-travel card at a $95 fee, plus access to Asia-region airline partners.

Can I have both the Chase Sapphire Preferred and the Citi Strata Premier?

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Yes. These are issued by different banks (Chase and Citi), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Chase Sapphire Preferred or Citi Strata Premier?

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Both cards charge a $95 annual fee. The right pick comes down to which earning categories and perks you'll actually use.