Chase Sapphire Preferred vs Citi Strata Premier℠ Card
A side-by-side breakdown of fees, welcome offers, earning rates and travel perks — so you can see which card is worth it for how you actually spend.
| Annual fee | $95 | $95 |
|---|---|---|
| Welcome offer | 75,000 bonus points after spending $5,000 on purchases in the first 3 months | 75,000 bonus ThankYou Points after spending $4,000 within the first three months of account opening. |
| Rewards rate | 5X on travel purchased through Chase Travel℠; 3X on dining, select streaming services, and online groceries; 2X on all other travel purchases; 1X on all other purchases. Plus, 5X on Peloton equipment/accessories (over $150, up to 25,000 pts) through Dec 2027 and 5X on Lyft through Sep 2027. | 10X on hotels, car rentals, and attractions booked through CitiTravel.com; 3X on air travel, other hotel purchases, restaurants, supermarkets, and gas/EV charging stations; 1X on all other purchases. |
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| Card network | Visa Signature | — |
| Foreign transaction fee | None | None |
| Recommended credit | Good to Excellent (670–850) | Good to Excellent (670–850) |
Chase Sapphire Preferred
- Same 13 Chase transfer partners as the $795 Sapphire Reserve at a fraction of the cost
- Primary rental car collision damage waiver — the best travel protection at this price tier
- Trip cancellation/interruption insurance up to $10,000 per person
- 3x on dining, online groceries, and streaming covers daily household spend
- $50 annual hotel credit partially offsets the already-low $95 fee
- No airport lounge access — a gap that competing premium cards fill
- 10% anniversary points bonus ending October 1, 2026
- Chase Travel portal required for 5x on flights (not direct airline bookings)
- Limited statement credits beyond the $50 hotel credit
Citi Strata Premier℠ Card
Common questions
Is the Chase Sapphire Preferred or Citi Strata Premier℠ Card better?
Chase Sapphire Preferred suits flexibility, while Citi Strata Premier℠ Card is stronger for everyday spending. The Chase Sapphire Preferred carries a $95 annual fee versus $95 for the Citi Strata Premier℠ Card, so the right pick depends on how much of each card's credits you'll actually use.
What is the annual fee on each card?
The Chase Sapphire Preferred has a $95 annual fee. The Citi Strata Premier℠ Card has a $95 annual fee. Weigh that against each card's annual credits — a higher fee often nets out lower once you use the travel and dining credits.