Head-to-head · 🇺🇸 United States
Chase Sapphire Preferred vs Citi Strata Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Premium
Chase
Chase Sapphire Preferred
VISA
Wins 1 of 10
US
Citi
Citi Strata Premier
Wins 1 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Chase Sapphire Preferred | Citi Strata Premier |
|---|---|---|
| Annual fee | = $95 | = $95 |
| Joining fee | = None | = None |
| Top reward rate | · 5% (travel) | 10% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 60,000 bonus points after spending $4,000 in first 3 months (~$750 in travel) | = 75,000 ThankYou points after $4,000 spend in 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | = 700 | = 700 |
| Editorial rating | 4.7/5 | · 4.4/5 |
Benefits compared
Chase Sapphire Preferred
- 5x points on travel booked through Chase Ultimate Rewards
- 3x on dining (incl. takeout & delivery)
- 2x on all other travel
- 25% more value when redeeming for travel via Chase Ultimate Rewards portal
- No foreign transaction fees
- Trip cancellation/interruption insurance, primary auto rental coverage
Citi Strata Premier
- 10x on hotels, car rentals, and attractions via Citi Travel
- 3x at restaurants + supermarkets + gas stations
- 1x on everything else
- $100 hotel benefit on $500+ Citi Travel hotel bookings
- Transfer to 16 airline + hotel partners
FAQ
›Chase Sapphire Preferred vs Citi Strata Premier: which is better?
It's a true tie — pick the one whose boost categories match your spend. Chase Sapphire Preferred wins on 1 criteria, Citi Strata Premier on 1.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Sapphire Preferred for its best categories, Citi Strata Premier for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Sapphire Preferred: 60,000 bonus points after spending $4,000 in first 3 months (~$750 in travel). Citi Strata Premier: 75,000 ThankYou points after $4,000 spend in 3 months.