Chase Sapphire Preferred Credit Card vs Citi Strata Premier Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Chase Sapphire Preferred Credit Card
Estimated value every year on typical spending
$561/ year
Every year, after the annual fee. Year one adds a $750 welcome bonus: $1,311
Citi Strata Premier Card
Estimated value every year on typical spending
$531/ year
Every year, after the annual fee. No welcome bonus.
The short answer
- On typical spending, the Chase Sapphire Preferred Credit Card comes out ahead: about $561 a year after its fee, against $531 for the Citi Strata Premier Card.
Side by side
| Chase Sapphire Preferred Credit Card | Citi Strata Premier Card | |
|---|---|---|
| Annual fee | $95 | $95 |
| Rewards | 5x points on Chase Travel; 3x points on dining, gas stations, EV charging, vacation homes, top streaming services, and online grocery; 1x points on all other purchases | 10 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com; 3 points per dollar spent on Air Travel, Restaurants, Supermarkets, and Gas & EV Charging Stations |
| Welcome bonus | Earn 75,000 points after you spend $5,000 in purchases in the first 3 months from account opening. | Not specified |
| Credits counted | $80/yr | $50/yr |
| Intro APR | Not applicable | Not listed |
| Regular APR | 19.49% to 27.74% variable | 20.24% to 28.24% variable |
| Foreign transaction fee | None | None |
| Credit needed | Good/Excellent | Not specified |
Yearly rewards by category
| Category (monthly spend) | Chase Sapphire Preferred Credit Card | Citi Strata Premier Card |
|---|---|---|
| groceries ($500) | $180 | $180 |
| dining ($400) | $144 | $144 |
| gas ($200) | $72 | $72 |
| travel ($300) | $36 | $36 |
| everything else ($1,200) | $144 | $144 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Chase Sapphire Preferred Credit Card or the Citi Strata Premier Card?
On typical spending the Chase Sapphire Preferred Credit Card is worth more: about $561 a year after its fee, against $531 for the Citi Strata Premier Card. Which is better for you depends on where you spend most; see the category answers below.
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.