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Card vs Card Comparison

Chase Sapphire Reserve
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 Reserve

Annual fee

$795

Points

Ultimate Rewards

Signup bonus

Currently around 75K points after spend, see issuer for the current offer

Top earning rates

  • →8x on Chase Travel bookings (post-2025 refresh)
  • →4x on flights and hotels booked direct
  • →3x on dining

Top perks

  • →$300 annual travel credit that auto-applies to any travel charge
  • →Up to $500 The Edit luxury hotel credit
  • →$300 dining credit at qualifying restaurants
See Chase Sapphire Reserve detailsarrow_forward

Citi

Citi Strata Premier

Annual fee

$95

Points

Citi ThankYou

Signup bonus

Currently around 60K to 75K points after spend, see issuer for the current offer

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 Reserve wins if

Pick this if travel and dining are your largest spend categories and you want to transfer points to Hyatt for strong hotel value.

Honest downside: The $795 fee only pencils out if you actively use the credit stack. Pure transfer-and-travel users may prefer the Preferred at $95.

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 ReserveCiti Strata Premier
Annual fee$795$95
Points currencyUltimate RewardsCiti ThankYou
Signup bonusCurrently around 75K pointsCurrently around 60K to 75K points
Top earn category8x on Chase Travel bookings (post-2025 refresh)3x on flights, hotels, restaurants, gas, EV charging, grocery, and streaming
Second earn category4x on flights and hotels booked direct1x everywhere else
Third earn category3x on diningStandard 1x earn
Signature perk$300 annual travel credit that auto-applies to any travel charge$100 annual hotel credit on stays of $500+
IssuerChaseCiti

Questions

Frequently asked.

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

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Chase Sapphire Reserve wins if travel and dining are your largest spend categories and you want to transfer points to Hyatt for strong hotel value. 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 Reserve 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 Reserve or Citi Strata Premier?

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Chase Sapphire Reserve has the higher annual fee at $795, compared to $95 for Citi Strata Premier. Whether the pricier card is worth the difference depends on which credits and perks you use each year.