Citi Strata Elite Card vs Chase Sapphire Reserve
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Citi Strata Elite Card
Estimated value every year on typical spending
$1,004/ year
Before the annual fee — we couldn't confirm it, so check the issuer's site.
Chase Sapphire Reserve
Estimated value every year on typical spending
−$57/ year
Every year, after the annual fee. Year one adds a $1,000 welcome bonus: $943
The short answer
- We couldn't confirm the annual fee on the Citi Strata Elite Card, so we don't name a winner on value. Compare the earning rates below.
- The Citi Strata Elite Card earns more on groceries, dining, gas, travel, everything else.
Side by side
| Citi Strata Elite Card | Chase Sapphire Reserve | |
|---|---|---|
| Annual fee | See issuer site | $795 |
| Rewards | 12 points per dollar on Hotels, Car Rentals, and Attractions booked on cititravel.com; 6 points on Air Travel and select restaurant purchases; 1.5 points on all other purchases | 8x points on all purchases through Chase Travel; 4x points on flights and hotels booked direct; 3x points on dining worldwide; 1x point on all other purchases |
| Welcome bonus | Not specified | Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening. |
| Credits counted | $320/yr | $330/yr |
| Intro APR | Not listed | Not listed |
| Regular APR | Not listed | 19.74% to 28.24% variable |
| Foreign transaction fee | None | None |
| Credit needed | Not specified | Not specified |
Yearly rewards by category
| Category (monthly spend) | Citi Strata Elite Card | Chase Sapphire Reserve |
|---|---|---|
| groceries ($500) | $90 | $60 |
| dining ($400) | $288 | $144 |
| gas ($200) | $36 | $24 |
| travel ($300) | $54 | $36 |
| everything else ($1,200) | $216 | $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 for groceries?
The Citi Strata Elite Card. On $500 a month of groceries it earns about $90 a year, against $60 with the Chase Sapphire Reserve.
Which is better for dining?
The Citi Strata Elite Card. On $400 a month of dining it earns about $288 a year, against $144 with the Chase Sapphire Reserve.
Which is better for travel?
The Citi Strata Elite Card. On $300 a month of travel it earns about $54 a year, against $36 with the Chase Sapphire Reserve.
Which is better for gas?
The Citi Strata Elite Card. On $200 a month of gas it earns about $36 a year, against $24 with the Chase Sapphire Reserve.
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.