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Side-by-side

Chase Sapphire Preferred vs Citi Strata Premier Card

Both are travel travel cards. The Chase Sapphire Preferred comes from Chase at $95/yr; the Citi Strata Premier Card from Citi at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Sapphire Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($1,298 more in estimated value) than the Citi Strata Premier Card's. Get the Chase Sapphire Preferred first; revisit the Citi Strata Premier Card after you've earned that bonus.

FeatureChase Sapphire PreferredCiti Strata Premier Card
Annual fee$95$95
Sign-up bonus75,000 pointsNot advertised
Bonus value (est.)$1,298-
Min spend to unlock bonus$5,000 in 3 mo-
IssuerChaseCiti
Card categorytraveltravel
Best earning category (Chase_travel)5x1x
Transfer partnerschase-urciti-ty
Headline benefits
  • 5x on travel booked via Chase
  • 3x on dining & streaming
  • $100 annual hotel credit
  • Transfer to 14 partners (Hyatt 1:1)
  • 10x CitiTravel.com hotels/cars/attractions
  • 3x on restaurants, groceries, flights, hotels, gas, EV
  • $100 hotel savings benefit
  • No foreign transaction fees
Read the full review
Chase Sapphire Preferred
$95/yr · 75,000 points
Read the full review
Citi Strata Premier Card
$95/yr ·

Editorial take: Chase Sapphire Preferred

The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game. Note: the 10% anniversary points bonus sunsets October 1, 2026.

Editorial take: Citi Strata Premier Card

A strong mid-tier card with the late-2024 refresh adding 10x on CitiTravel.com and EV charging to the 3x grid. The $100 hotel benefit and 16 transfer partners (Avianca, Flying Blue, Turkish, Virgin Atlantic, Wyndham) make it competitive with Sapphire Preferred at the same $95 fee.

Common questions

Which card has the bigger sign-up bonus, Chase Sapphire Preferred or Citi Strata Premier Card?
The Chase Sapphire Preferred has a public bonus (75,000 points, worth roughly $1,298), while the Citi Strata Premier Card doesn't advertise one right now.
Is the Chase Sapphire Preferred's $95 annual fee worth it compared to the Citi Strata Premier Card?
At $95/yr, the Chase Sapphire Preferred is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi Strata Premier Card's, pick the one whose perks you'll actually use.
Can I have both the Chase Sapphire Preferred and Citi Strata Premier Card?
Yes, since they're from different issuers (Chase and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Chase Sapphire Preferred or the Citi Strata Premier Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Preferred: $5,000 spend in 3 months. Citi Strata Premier Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.