New: Compare up to 3 cards side-by-side instantly Compare now →
Chase Sapphire Reserve vs Citi Strata Elite Card
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | Chase Sapphire ReserveChase | Citi Strata Elite CardCiti |
|---|---|---|
| Rating | 4.7/5 | 4.4/5 |
| Annual Fee | $795 | $595 |
| APR | 19.49% - 27.99% | 20.24% - 28.24% |
| Signup Bonus | 125,000 points after spending $6,000 in 3 months | 75,000 bonus points after spending $6,000 in 3 months |
| Rewards Rate | 8X on flights, hotels & car rentals via Chase Travel, 4X on flights & hotels booked direct, 3X on dining, 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 | excellent | excellent |
| Pros | Priority Pass lounge access and $300 annual travel credit 8X on flights, hotels & cars via Chase Travel, 4X booked direct Points worth 50% more when redeemed through Chase Travel | 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 | $795 annual fee is steep even with credits Travel credit only applies through Chase Travel portal Diminishing value if you don't travel frequently | $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 → |
[ 02 / 02 ]
·
Verdict
Our Pick: Chase Sapphire Reserve
With a 4.7/5 rating, the Chase Sapphire Reserve edges out the Citi Strata Elite Card (4.4/5). At $795/yr, the value proposition is strong. The Chase Sapphire Reserve is a premium travel card built for frequent travelers. With 8X on travel through Chase Travel, 4X on flights and hotels booked direct, $300 in annual travel credits, and Priority Pass lounge access, it delivers serious value if you can put its perks to work.