Chase
Chase Sapphire Preferred Card
Credit cards
$95/yrAnnual fee
Explore this product Your shortlist, side by side
Chase Sapphire Preferred Card vs Citi Strata Premier Card
Find the differences that matter for your next decision.
Citi
Citi Strata Premier Card
Credit cards
$95/yrAnnual fee
Explore this product What matters most to you?
Start with all rankable specifications, or focus on a particular use.
Your starting point
Buy the Citi Strata Premier Card.
- Leads 2 of 3 rankable overall specs; Chase Sapphire Preferred Card takes 1.
- Rewards rate: 10X points on hotels, car rentals, and… vs 5X travel via Chase, 3X dining/online…
How we reached this
We compare the published specifications relevant to your priority. Each rankable specification counts once; your selected requirements can rule a product out. This is a guide to the numbers, not a laboratory performance score.
Regular APR: 21.24% – 29.24% Variable APR vs 21.49% – 28.49% Variable APR
Same annual fee, so the spec lead is the whole story.
Refine your requirements
What would rule one out?
Side by side
The differences, in detail.
Start with the key specs, then explore as much as you need.
| What you’re comparing | Chase Sapphire Preferred Card | Citi Strata Premier Card |
|---|---|---|
| Annual feeFees & Rates | $95 | $95 |
| Regular APRFees & Rates | 21.49% – 28.49% Variable APR | 21.24% – 29.24% Variable APR |
| Late feeFees & Rates | Up to $40 | Up to $41 |
| Rewards rateRewards & Perks | 5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other | 10X points on hotels, car rentals, and attractions via Citi Travel; 3X points on restaurants, supermarkets, gas stations, EV charging stations, air travel, and other hotels; 1X on all other purchases |
| Sign-up bonusRewards & Perks | 60,000 Ultimate Rewards points after $4,000 spend in first 3 months ($750 travel value) | 70,000 bonus ThankYou Points after spending $4,000 in the first 3 months ($700 value) |
Showing 5 of 10 specifications. Missing values stay unlisted. About the sources
Both sides of the decision
What you gain. What you give up.
Chase Sapphire Preferred Card
Reasons to choose it
- Points are worth 25% more when redeemed for travel through Chase Travel
- 1:1 point transfers to Hyatt, United, Southwest, and British Airways
- Primary rental car collision damage waiver insurance
Worth considering
- No airport lounge access
- $95 annual fee is not waived the first year
Citi Strata Premier Card
Reasons to choose it
- Broad 3X bonus categories across everyday and travel spending (dining, groceries, gas, hotels, flights)
- $100 annual hotel benefit on bookings of $500+ via CitiTravel.com
- No foreign transaction fees and 1:1 point transfers to airline and hotel loyalty programs
Worth considering
- $95 annual fee
- No airport lounge access benefit
Beyond the spec sheet
Living with your choice.
Explore the ownership details available for this pair.
What three years could cost
Chase Sapphire Preferred Card
3-Year Estimated Total$285
Citi Strata Premier Card
3-Year Estimated Total$285
Know what’s behind the comparison
Published specs. Visible sources.
Clinchmark compares manufacturer specifications and other published information. We have not independently lab-tested these products. Editorial assessments and unknown values are identified in the specification details.
Catalog snapshot: September 1, 2026. Prices, availability, and provider terms can change.
Still weighing it up?
Which card has the lower annual fee, Chase Sapphire Preferred Card or Citi Strata Premier Card?
Both charge the same annual fee.
What is the biggest catch with the Chase Sapphire Preferred Card or Citi Strata Premier Card?
Both has this deal-breaker: annual fee. You pay before a single reward is earned.
Which is better for travel, the Chase Sapphire Preferred Card or the Citi Strata Premier Card?
Too close to call on travel from the spec sheets. Only rewards rate is rankable here. Sign-up bonus: 60,000 Ultimate Rewards points after $4,000… vs 70,000 bonus ThankYou Points after spending…
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 7 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.