Citi Strata Premier Card vs Chase Sapphire Preferred
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$95
vs
$95
Base Rewards
1x
vs
1x
Sign-Up Bonus
$750
vs
$750
Editor Score
9/10
vs
9/10
Detailed Comparison
| Category wins | 5/6 | 1/6 |
| Fees & APR | ||
| Annual Fee | $95★ Lowest | $95 |
| Purchase APR | 21.49% – 29.49% | 21.49% – 28.49% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | 5% | 5% |
| Rewards | ||
| Rewards Type | Points | Points |
| Base Rewards Rate | 1x★ Highest | 1x |
| Bonus Categories | 10x Hotels via Citi Travel · 10x Car Rentals via Citi Travel · 3x Air Travel | 5x Travel (Chase) · 3x Dining · 3x Online Groceries |
| Sign-Up Bonus | $750 value★ Highest | $750 value |
| Eligibility | ||
| Credit Score | Excellent (750+) | Excellent (750+) |
| Network | Mastercard | Visa |
| At a Glance | ||
| Best For | Travelers who want high hotel multipliers and flexible transfer partners | Frequent travelers who dine out often |
| Ratings | ||
| User Rating | 4.4 / 5✗ Lowest | 4.7 / 5★ Highest |
| Editor Score | 9 / 10★ Highest | 9 / 10 |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our Verdict
The $95 travel card showdown. The Strata Premier earns 10x on hotels/car rentals via Citi Travel, 3x on airlines/restaurants/supermarkets/gas, and has 17+ transfer partners. The Sapphire Preferred earns 5x on Chase Travel, 3x on dining, 2x on other travel, with 14+ transfer partners and best-in-class travel protections. Citi wins on portal hotel bookings (10x) and broader 3x categories (adding gas and supermarkets). Chase wins on transfer partner quality and ecosystem integration. Both are excellent.
It depends on your priorities — both are excellent choices
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Common Questions
Which is better: Citi Strata Premier Card or Chase Sapphire Preferred?
It depends on your spending habits. The Citi Strata Premier Card has a $95 annual fee and earns 1x base rewards. The Chase Sapphire Preferred has a $95 annual fee and earns 1x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Citi Strata Premier Card and Chase Sapphire Preferred?
The Citi Strata Premier Card has a $95 annual fee while the Chase Sapphire Preferred has a $95 annual fee. Both cards have the same annual fee, so the decision comes down to rewards structure and perks.
Can I have both the Citi Strata Premier Card and Chase Sapphire Preferred?
Yes, since these cards are from different issuers (Citi and Chase), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.