Chase Sapphire Preferred vs Citi Strata Premier — which is worth it to you?
The Chase Sapphire Preferred ($95/yr) and the Citi Strata Premier ($95/yr) side by side: credits, earning rates against a flat 2% cash-back baseline, and protections — with your spending deciding which card actually wins each category.
Both charge $95 a year, so the fee itself is a wash. The Chase Sapphire Preferred earns Chase Ultimate Rewards while the Citi Strata Premier earns Citi ThankYou Points. A point in one program isn't automatically worth a point in the other, so the calculator below turns everything into dollars against a flat 2% card.
Both cards pay a bonus on flights (2x vs 3x), hotels (2x vs 3x), dining (3x vs 3x) and gas & ev charging (3x vs 3x). Past the overlap, the Chase Sapphire Preferred has bonus rates on other travel (2x) and streaming (3x), while the Citi Strata Premier has them on groceries (3x).
The Chase Sapphire Preferred comes with 4 statement credits, the biggest being Complimentary Apple TV (12 months) ($156/yr), $10/month DoorDash Promo ($120/yr) and $100 Annual Chase Travel Hotel Credit, plus 1 more. The Citi Strata Premier has 1 statement credit: $100 Annual Hotel Credit. All of these are face values, and a credit only really pays out if it covers something you were buying anyway.
Both cards carry extended warranty, lost luggage, no foreign transaction fees, purchase protection, rental car collision coverage, trip cancellation and trip delay. The Chase Sapphire Preferred also has emergency evacuation, memberships and travel accident insurance, with no equivalent on the Citi Strata Premier.
Chase Sapphire Preferred
Chase · $95 annual fee · earns Chase Ultimate Rewards
Earning rates
- 5x Chase Travel portal bookings
- 2x Flights booked direct
- 2x Hotels booked direct
- 2x Other travel
- 3x Dining worldwide
- 3x Online grocery purchases
- 3x Select streaming services
- 3x Gas stations & EV charging
- 3x Vacation home rentals at top brands
- 5x Lyft rides
- 5x Peloton purchases over $150
- 1x Everything else
Statement credits (4)
- $100 Annual Chase Travel Hotel Credit — Up to $100 in statement credits each account anniversary year for hotel stays booked and prepaid through Chase Travel.
- $10/month DoorDash Promo — A $10 promo credit each month ($120/year) on DoorDash, with DashPass enrollment.
- Complimentary Apple TV (12 months) — At least 12 months of complimentary Apple TV, if you activate by Dec 31, 2026.
- Global Entry / TSA PreCheck / NEXUS Credit — $120 application-fee credit once every 4 years (~$30/yr).
Full Chase Sapphire Preferred breakdown — 10 more benefits on the full page.
Citi Strata Premier
Citi · $95 annual fee · earns Citi ThankYou Points
Earning rates
- 10x Hotels, car rentals & attractions via Citi Travel
- 3x Air travel
- 3x Hotels booked outside the portal
- 3x Restaurants
- 3x Supermarkets
- 3x Gas & EV charging stations
- 1x Everything else
Statement credits (1)
- $100 Annual Hotel Credit — $100 off one hotel stay of $500+ (excluding taxes and fees) booked through Citi Travel, once per calendar year.
Full Citi Strata Premier breakdown — 7 more benefits on the full page.
Card data verified against issuer sources: Chase Sapphire Preferred on 2026-08-20, Citi Strata Premier on 2026-08-20.
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