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Sapphire Preferred vs Citi Strata Premier

Up to three cards side by side, most decisive first. Open any section for the detail.

Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Chase Sapphire Preferred Card card art
Sapphire Preferred 1 of 2
Citi Strata Premier Card card art
Citi Strata Premier 2 of 2
Comparing 2 cards
Chase Sapphire Preferred Card card art
Chase
Sapphire Preferred
Apply Details
Citi Strata Premier Card card art
Citi
Citi Strata Premier
Apply Details
Cost and value $95 fee$95 fee
Annual fee
$95
$95
Credits you can use a year, if you use every one
$250 Best
None Best: Sapphire Preferred
Fee after credits
$155 back Best credits beat the fee
$95 a year net cost Best: Sapphire Preferred
Point value per point or mile
2.05¢ Best Estimate
1.90¢ Estimate Best: Sapphire Preferred
Rewards currency
Ultimate Rewards points
ThankYou Points
Foreign transaction fee
None
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 75,000 points, about $1,53860,000 points, about $1,140
Bonus
75,000 points
60,000 points
Estimated value
$1,538 Best
$1,140 Best: Sapphire Preferred
Spend to earn it less a month is easier
$5,000 in 90 days about $1,667 a month Best: Citi Strata Premier
$4,000 in 90 days Best about $1,333 a month
Earning rates Top rate 5xTop rate 10x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
3x Best about 6.1% back
3x about 5.7% back Best: Sapphire Preferred
Groceries
3x Best about 6.1% back
3x about 5.7% back Best: Sapphire Preferred
Flights
1x about 2.0% back, the everything-else rate
  • 5x via the issuer portal, about 10.2%
Best: Citi Strata Premier
3x Best about 5.7% back
Hotels
1x about 2.0% back, the everything-else rate
  • 5x via the issuer portal, about 10.2%
Best: Citi Strata Premier
3x Best about 5.7% back
  • 10x via the issuer portal, about 19.0%
Travel (ground only)
1x Best about 2.0% back, the everything-else rate
  • 5x via the issuer portal, about 10.2%
1x about 1.9% back, the everything-else rate Best: Sapphire Preferred
Gas
3x Best about 6.1% back
3x about 5.7% back Best: Sapphire Preferred
Streaming / Subscriptions
3x Best about 6.1% back
1x about 1.9% back, the everything-else rate Best: Sapphire Preferred
Everything else
1x Best about 2.0% back
1x about 1.9% back Best: Sapphire Preferred
Only on this card
  • 5x Transit and rideshare
  • 5x Peloton equipment and accessories
  • 3x Vacation homes at top brands
None
Statement credits $250 a yearNo credits
Trusted traveler
  • $120 every 4 years
    What counts

    Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for Global Entry, TSA PreCheck, or NEXUS.

None
Dining and delivery
  • $120 a year $10 every month
    What counts

    DashPass members get a $10 promo each month ($120 annually) to save on groceries, retail orders, and more.

None
Travel booking
  • $100 a year resets every card anniversary
    What counts

    Earn up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel.

  • $100 per stay after $500 spend
    What counts

    Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through cititravel.com or 1-833-737-1288. Benefit applied instantly at time of booking.

Monthly credits to track fewer is less work
1 Best: Citi Strata Premier
0 Best
Transfer partners 14 partners24 partners
Partners
14 Best: Citi Strata Premier
24 Best
Alliance reach
Oneworld, SkyTeam, and Star Alliance
Oneworld, SkyTeam, and Star Alliance
Air France-KLM Flying Blue
1:1
1:1
JetBlue TrueBlue
1:1
1:1
Singapore Airlines KrisFlyer
1:1
1:1
Virgin Atlantic Flying Club
1:1
1:1
Wyndham Rewards
1:1
1:1
Accor Live Limitless
None
2:1
Aer Lingus AerClub
1:1
None
Aeromexico Rewards
None
1:1
Air Canada Aeroplan
1:1
None
American Airlines AAdvantage
None
1:1
Avianca LifeMiles
None
1:1
British Airways Club
1:1
None
Cathay Pacific Asia Miles
None
1:1
Choice Privileges
None
1:2
Copa Airlines ConnectMiles
None
1:1
EVA Air Infinity MileageLands
None
1:1
Emirates Skywards
None
5:4
Etihad Guest
None
1:1
I Prefer Hotel Rewards
None
1:4
IHG One Rewards
1:1
None
Iberia Club
1:1
None
Japan Airlines Mileage Bank
None
1:1
Leaders Club
None
5:1
Marriott Bonvoy
1:1
None
Qantas Frequent Flyer
None
1:1
Qatar Airways Privilege Club
None
1:1
Shop Your Way
None
10:1
Southwest Rapid Rewards
1:1
None
Thai Royal Orchid Plus
None
1:1
Turkish Airlines Miles&Smiles
None
1:1
United MileagePlus
1:1
None
Virgin Red
None
1:1
World of Hyatt
4:3
None
Status, lounges and travel No status or loungesNo status or lounges
Travel benefits
  • Provides legal and medical referrals and access to other travel and emergency assistance services while traveling.
  • Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels, The Leading Hotels of the World, and others. Minimum transfer is 1,000 points.
Protection and insurance 9 coverages3 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Trip delay
  • Covers unreimbursed expenses such as meals and lodging up to $500 per covered traveler if common carrier travel is delayed more than 12 hours.
  • Reimburses up to $100 a day for up to 5 days for essential purchases when baggage is delayed over 6 hours.
  • Includes Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, and MasterRental Coverage (Car Rental).
Baggage
  • Provides reimbursement up to $3,000 per covered traveler for lost, damaged, or stolen checked or carry-on baggage during a covered trip.
Not listed
Rental car
  • Primary coverage providing reimbursement up to $60,000 for theft and collision damage when declining rental company's collision insurance.
Not listed
Extended warranty
  • Extends manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from purchase date.
Not listed
Purchase protection
  • Covers eligible new purchases for 120 days from date of purchase against damage or theft up to $500 per item.
  • The ID Theft Protection program offered by Mastercard helps monitor information and alerts you if suspicious activity is found. Free enrollment required.
Emergency evacuation
  • Covers medical services and transportation up to $100,000 for emergency evacuation during a trip 100 miles or more from home.
Not listed
Travel accident
  • Up to $500,000 in accidental death or dismemberment coverage when paying for air, bus, train, or cruise transportation with card.
Not listed
Roadside assistance
  • Roadside emergency service dispatch with fees billed to card at time of dispatch.
Not listed
Other coverage
  • Reimbursed up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses if trip is canceled or cut short.
  • Buy now, pay later with Citi Flex Pay. Pay over time in fixed monthly payments and continue to earn points on purchases. Available on eligible purchases of $75 or more.
Lifestyle and other perks 2 perks3 perks
Lifestyle and entertainment
  • Get a complimentary DashPass membership, a $120 value for 12 months, with $0 delivery fees and reduced service fees on eligible DoorDash orders when activated by 12/31/27. $120
  • Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180. $180
  • Special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences.
Other perks
None
  • There are no foreign transaction fees with the Citi Strata Premier Card.
  • Add an Authorized User to your account at no additional cost and earn points faster.
Authorized users FreeFree
Cost
Authorized users are free.
Authorized users are free.
Each one gets
  • Auto rental coverage
  • Baggage delay insurance
  • DoorDash DashPass membership
  • Emergency evacuation and transportation
  • Extended warranty protection
  • Lost luggage reimbursement
  • Purchase protection
  • Travel accident insurance
  • Trip cancellation and interruption insurance
  • Trip delay reimbursement
  • Travel protection benefits
Application rules 5/241/8
Issuer approval rules
  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

  • 1/8 Community-reported
    What counts

    Citi generally approves at most 1 card application per 8 days.

  • 2/65 Community-reported
    What counts

    Citi generally approves at most 2 card applications per 65 days.

Bonus eligibility
  • Sapphire 48-month rule Community-reported
    What counts

    You can earn a Sapphire sign-up bonus only once every 48 months.

  • 48-month rule Community-reported
    What counts

    Citi sign-up bonuses within the same card family are generally available only once every 48 months.

Card type
Personal
Personal