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Citi Strata Premier vs Chase Sapphire Preferred
The short answer
- Both cards have the same annual fee ($95).
- At our point valuations the Citi Strata Premier earns more on groceries, travel.
- The Chase Sapphire Preferred earns more on dining, gas, everything else.
- The Chase Sapphire Preferred has the bigger welcome offer: about $1,500 in value vs $1,080 for the Citi Strata Premier.
Side by side
| Citi Strata Premier | Chase Sapphire Preferred |
|---|
| Annual fee | $95 | $95 |
| Welcome offer | 60,000 after $4,000 in 3 months (≈ $1,080) | 75,000 after $5,000 in 3 months (≈ $1,500) |
| Earns on dining | 3x (≈ 5.4%) | 3x (≈ 6%) |
| Earns on groceries | 3x (≈ 5.4%) | 1x (≈ 2%) |
| Earns on travel | 3x (≈ 5.4%) | 2x (≈ 4%) |
| Earns on gas | 3x (≈ 5.4%) | 3x (≈ 6%) |
| Earns on everything else | 1x (≈ 1.8%) | 1x (≈ 2%) |
| Rewards | Citi ThankYou | Chase Ultimate Rewards |
| Network | Mastercard | Visa |
| KritScore | 54 | 84 |
| Highlights | 3x on 5 everyday categories · Transfers incl. American AAdvantage · Trip delay & cancellation coverage · MasterRental car coverage · No foreign transaction fees | Full Chase transfer partners · Primary rental car insurance · Trip cancellation & delay insurance · Free DashPass (activate by 12/31/2029) · No foreign transaction fees |
“≈ %” is the earn rate times our point valuation (cash-back cards at one cent). Bonus categories can be limited or capped, and offers change — check each issuer’s current terms.
Is the Citi Strata Premier better than the Chase Sapphire Preferred?
Both cards have the same annual fee ($95). At our point valuations the Citi Strata Premier earns more on groceries, travel. The Chase Sapphire Preferred earns more on dining, gas, everything else. The Chase Sapphire Preferred has the bigger welcome offer: about $1,500 in value vs $1,080 for the Citi Strata Premier.
What is the annual fee on the Citi Strata Premier and the Chase Sapphire Preferred?
The Citi Strata Premier: $95 a year. The Chase Sapphire Preferred: $95 a year.
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