Sapphire Reserve vs Citi Strata Elite
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Cost and value $795 fee$595 fee
Sign-up bonus 100,000 points, about $2,05075,000 points, about $1,425
Earning rates Top rate 10xTop rate 12x
- 8x via the issuer portal, about 16.4%
- 6x via the issuer portal, about 11.4%
- 8x via the issuer portal, about 16.4%
- 12x via the issuer portal, about 22.8%
- 8x via the issuer portal, about 16.4%
- 10x Peloton equipment and accessories
- 5x Transit and rideshare
Statement credits $2,340 a year$1,470 a year
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$120 every 4 years
What counts
Receive one statement credit of up to $120 every four years as reimbursement for Global Entry, TSA PreCheck, or NEXUS application fee charged to your card.
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$120 every 4 years
What counts
Receive a statement credit, up to $120 every four years, as reimbursement for your Global Entry or TSA PreCheck application fee.
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$120 a year
$10 every month
What counts
Lyft members get up to $10 in monthly in-app credits, up to $120 annually, to use on rides through 9/30/27.
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$300 a year
$150 every 6 months
What counts
Up to $150 in statement credits January-June and again July-December (max $300 annually) for dining at restaurants in the Sapphire Exclusive Tables program on OpenTable.
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$240 a year
$20 every month
What counts
Two $10 DoorDash promos each month ($20 a month) for DashPass members, on groceries, retail and other non-restaurant orders, through 12/31/29.
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$180 a year
$15 every month
What counts
$15 monthly promo on any qualifying DoorDash order for DashPass members, available through 12/31/29.
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$300 a year
resets every card anniversary
What counts
Up to $300 in statement credits for travel purchases each account anniversary year; qualifying purchases will not earn points.
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$250 a year
resets every year
What counts
Up to $250 in statement credits through 12/31/26 on prepaid Chase Travel hotel bookings with select brands (IHG, Montage, Pendry, Omni, Virgin Hotels, Minor Hotels, Pan Pacific), two-night minimum required.
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$300 a year
resets every year
What counts
Each calendar year, enjoy up to $300 off a hotel stay of 2 nights or more when booked through cititravel.com.
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$200 a year
resets every year
What counts
Every calendar year, earn up to $200 in statement credits on your choice of up to 2 of the following brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, and Live Nation.
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$300 a year
$150 every 6 months
What counts
Up to $150 in statement credits January-June and again July-December, for a maximum $300 annually, for StubHub and viagogo purchases through 12/31/27. Activation required.
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$120 a year
$10 every month
What counts
$10 statement credit per month on eligible Peloton memberships, max $120 annually through 12/31/27 (activation required); plus earn 10x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/27.
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$500 a year
resets every year
What counts
Statement credit of up to $250 per prepaid booking with The Edit, up to $500 annually, two-night minimum required.
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$595 a year
resets every year
What counts
Qualifying Citigold Private Clients receive a $595 first year banking relationship credit and a $145 credit each year thereafter if the primary cardmember has an open and current Strata Elite Card account with an assessed Annual Membership Fee of $595.
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$200 a year
$100 every 6 months
What counts
Earn up to $200 in statement credits each calendar year when you book with Blacklane, a premium global chauffeur service. Earn up to $100 on Blacklane purchases January through June and up to $100 July through December.
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$145 a year
resets every year
What counts
Qualifying Citigold clients receive a $145 Banking Relationship Annual Credit if the primary cardmember has an open and current Strata Elite Card account with an assessed Annual Membership Fee of $595.
Transfer partners 14 partners24 partners
Status, lounges and travel Avis Preferred Preferred Plus, IHG One Rewards Platinum Elite, National Emerald Club Executive, 3 lounge benefits2 lounge benefits
- Avis Preferred: Preferred Plus after you enroll
- IHG One Rewards: Platinum Elite after you enroll
- National Emerald Club: Executive after you enroll
- Bookings through The Edit by Chase Travel receive complimentary benefits such as a property credit, daily breakfast for two, and a room upgrade if available, average value over $550 per stay. $550
- Southwest Rapid Rewards A-List status through the following calendar year, after spending $75,000 in a calendar year.
- World of Hyatt Explorist status for the remainder of the calendar year through February of the following year, after spending $75,000 in a calendar year.
- IHG One Rewards Diamond Elite status for the remainder of the calendar year in which you qualify and the following calendar year, after spending $75,000 in a calendar year.
- Complimentary access to Chase Sapphire Lounges by The Club and 1,300+ Priority Pass airport lounges worldwide with up to two guests, valued at over $850 annually. $850
- Complimentary access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada and Europe with an eligible boarding pass, for primary cardmember and one guest.
- Complimentary Priority Pass Select membership providing access to 1,300+ airport lounges worldwide; primary cardmember and authorized users each allowed up to two accompanying guests.
- Complimentary Priority Pass Select membership offering access to 1,500+ airport lounges worldwide. Annual membership fee valued at $469. $469
- Every calendar year, receive 4 Admirals Club Citi Strata Elite Passes for access to nearly 50 Admirals Club lounges (over $300 in value), including snacks, complimentary cocktails, and personal travel assistance.
- Build and book a custom itinerary with a Reserve Travel Designer, valued at up to $300 per trip. $300
- With Points Boost offers, points are worth up to 2x on top booked hotels, including The Edit, and flights with select airlines through Chase Travel.
Protection and insurance 8 coverages3 coverages
- Reimburses up to $100 a day for up to 5 days for essential purchases when baggage is delayed over 6 hours.
- Covered for unreimbursed expenses up to $500 per covered traveler if common carrier travel is delayed more than 6 hours or requires an overnight stay.
- Includes Trip Delay Protection, Enhanced Trip Cancellation and Trip Interruption Protection, Lost or Damaged Luggage, MasterRental Coverage (car rental insurance), and Extended Warranty and Purchase Assurance Plus.
- Reimbursement up to $3,000 per covered traveler for lost, damaged, or stolen checked or carry-on baggage.
- Primary coverage providing reimbursement up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad when you decline the rental company's collision insurance.
- 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.
- Covers eligible new purchases for 120 days against damage or theft up to $10,000 per item.
- The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring information and alerting you if suspicious activity is found.
- Covered for medical services and transportation up to $100,000 for emergency evacuation during trips 100+ miles from home.
- Up to $1,000,000 in accidental death or dismemberment coverage when paying for air, bus, train or cruise transportation with your card.
- You can be reimbursed for eligible items that the store won't accept within 90 days of purchase, up to $500 per item, $1,000 per 12-month period.
- Reimbursed up to $2,500 for medical expenses, subject to a $50 deductible, if sick or injured 100+ miles from home.
- Covered up to $50 per incident, 4 times a year for tow, battery assistance, tire change, locksmith or gas.
- 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.
- Provides legal and medical referrals and access to other travel and emergency assistance services while traveling away from home.
- 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 perks1 perk
- Complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually. $324
- Complimentary DashPass membership for 12 months, a $120 value, with $0 delivery fees and reduced service fees on eligible DoorDash orders when activated by 12/31/27. $120
- Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to concerts, sporting events, and arts and culture experiences.
Authorized users PaidPaid
- Auto rental coverage
- Baggage delay insurance
- Chase Sapphire reserve lounge network
- Complimentary DashPass membership
- DoorDash monthly promos
- DoorDash monthly promos restaurant orders
- Emergency evacuation and transportation
- Emergency medical and dental
- Extended warranty protection
- Lost luggage reimbursement
- Priority Pass select membership
- Purchase protection
- Return protection
- Roadside assistance
- Travel accident insurance
- Travel and emergency assistance
- Trip cancellation and interruption insurance
- Trip delay reimbursement
- Priority Pass select membership
- Travel and shopping protection
Application rules 5/241/8
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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.
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1/8
Community-reported
What counts
Citi generally approves at most 1 card application per 8 days.
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2/65
Community-reported
What counts
Citi generally approves at most 2 card applications per 65 days.
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Sapphire 48-month rule
Community-reported
What counts
You can earn a Sapphire sign-up bonus only once every 48 months.
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48-month rule
Community-reported
What counts
Citi sign-up bonuses within the same card family are generally available only once every 48 months.
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