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Chase Sapphire Preferred vs Citi Strata Elite Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Sapphire PreferredChase | Citi Strata Elite CardCiti |
|---|---|---|
| Rating | 4.8/5 | 4.4/5 |
| Annual Fee | $95 | $595 |
| APR | 19.24% - 27.49% | 20.24% - 28.24% |
| Signup Bonus | 75,000 points after spending $5,000 in 3 months | 75,000 bonus points after spending $6,000 in 3 months |
| Rewards Rate | 5X on Chase Travel, 3X on dining & streaming & online groceries, 2X on travel, 1X on everything else | 10X on hotels, car rentals & attractions via Citi Travel, 5X on flights via Citi Travel, 3X on air travel, restaurants, supermarkets, gas/EV stations, 1X on everything else |
| Credit Score | good | excellent |
| Pros | 5X on Chase Travel and 3X on dining, streaming, and online groceries 10% anniversary bonus points on prior year's spend No foreign transaction fees | Up to $300 annual hotel credit and $200 annual Splurge Credit 10X on hotels and 5X on flights via Citi Travel Transfer points to 17+ airline and hotel partners |
| Cons | $95 annual fee No airport lounge access Limited premium perks vs. Reserve | $595 annual fee is steep for the Citi ecosystem New card — still building out lounge and premium perks Fewer transfer partners than Amex or Chase |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Sapphire Preferred
With a 4.8/5 rating, the Chase Sapphire Preferred edges out the Citi Strata Elite Card (4.4/5). At $95/yr, the value proposition is strong. The Chase Sapphire Preferred is the gold standard for everyday travel rewards. With flexible Ultimate Rewards points that transfer to 14+ airline and hotel partners, it's the card that started the travel rewards revolution.