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While it flies under the radar, the Citi Strata Premier℠ Card packs a lot of value for an affordable annual fee. It earns bonus points in everyday and travel categories, has a large welcome offer, and offers a yearly hotel credit that more than covers the annual fee.
The Chase Sapphire Preferred® Card doesn't fly under the radar. It's one of the most popular travel credit cards, and it has a lot of the same benefits as the Citi Strata Premier℠ Card. And the travel points it earns are even more valuable.
Here's a detailed breakdown of the close race between these two credit cards.
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Citi Strata Premier℠ Card | Chase Sapphire Preferred® Card |
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
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Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Welcome Offer: Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com. 70,000 ThankYou® Points |
Welcome Offer: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. 75,000 bonus points |
Rewards Program: 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases. 1x - 10x points |
Rewards Program: Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Regular APR: 21.24% - 29.24% (Variable) |
Regular APR: 21.49%-28.49% Variable |
Annual Fee: $95 |
Annual Fee: N/A $95 |
Highlights:
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Highlights:
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Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
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Show More Show Less |
You'll probably earn more points on everyday expenses with the Citi Strata Premier℠ Card. It earns 3X points per $1 at gas stations and supermarkets. The Chase Sapphire Preferred® Card doesn't have either of those bonus categories, although it does earn 3X points per $1 on online grocery purchases.
This Citi credit card also pays for itself if you use its annual $100 hotel credit. You can earn that once a year if you book a single hotel stay of $500 or more through thankyou.com. If you don't mind using Citi's travel portal, and you regularly book hotel stays of at least $500, then you'll easily come out ahead on the annual fee.
The Chase Sapphire Preferred® Card has one of the best travel rewards programs. Citi's doesn't quite match it. With this Chase card, you get $0.0125 per point on travel bookings through Chase Ultimate Rewards. With the Citi Strata Premier℠ Card, you get $0.01 per point on travel bookings through its ThankYou portal. If you have 100,000 points, that's a difference of $250 in value.
Both rewards programs also let you transfer points to travel partners. Having used both, I'd argue that Chase's list of partners is better. It's partnered with bigger U.S. airlines as well as World of Hyatt, one of the top hotel rewards programs.
Like other Chase credit cards, the Chase Sapphire Preferred® Card and the Citi Strata Premier℠ Card each have a full suite of travel protections. These include complimentary coverage for trip delays, cancellations, and baggage issues.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Discover will match all the cash back you've earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 28.24% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
75,000 Miles 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening | 2X-5X miles Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. |
Intro: Purchases: N/A Balance Transfers: N/A Regular: 19.99% - 29.99% (Variable) |
Next, let's look at how these cards compare in a few important ways.
These cards each have a $95 annual fee and spending credits that could balance it out. With the Citi Strata Premier℠ Card, you earn $100 off a single hotel stay of $500 or more that you book through CitiTravel.com. You can earn this $100 hotel savings once per calendar year.
The Chase Sapphire Preferred® Card also helps you save on hotels. You earn up to $50 in statement credits each account year on hotel stays that you book with Chase Ultimate Rewards. It's not as much as what Citi offers, but it's easier to use, since it doesn't require a stay of $500 or more.
Winner: Tie
Welcome offers are another area where these cards are a close match. The Citi Strata Premier℠ Card earns 70,000 ThankYou® Points when you spend $4,000 on purchases in the first 3 months. If you redeem them for travel bookings through Citi or gift cards, those bonus points are worth $700 total ($0.01 per point). Or you could transfer points to Citi's travel partners and potentially get even more value.
The Chase Sapphire Preferred® Card also earns 75,000 bonus points when you spend $4,000 on purchases in the first 3 months. While it's the same number of points, Chase lets you redeem them for 25% more on bookings through the Chase Travel portal. They're worth $0.0125 per point that way, giving the sign-up bonus a value of over $900. Once again, you can also transfer points to travel partners.
Winner: Chase Sapphire Preferred® Card
The Citi Strata Premier℠ Card has a mix of everyday and travel-friendly bonus categories. It earns:
You also get quite a few bonus categories with the Chase Sapphire Preferred® Card. Here's what it earns:
These cards have lots of similar bonus categories. As far as differences, the Chase Sapphire Preferred® Card is the only one to earn bonus streaming rewards.
But the Citi Strata Premier℠ Card is the only one to earn bonus gas rewards. It also earns 3X points per $1 on supermarket spending, not just online groceries. That's a big advantage, as most people spend more on gas and groceries than streaming.
Winner: Citi Strata Premier℠ Card
Both cards have a strong set of complimentary travel protections::
These aren't features that get a lot of attention, but they're nice to have. They give you the peace of mind that you're covered if something goes wrong on a trip.
Winner: Tie
These are both top credit cards. The Chase Sapphire Preferred® Card is slightly ahead for a few reasons. It gives you better ways to use your points, and it's the more well-rounded card. It has a long list of perks and no notable weaknesses, and all for a reasonable annual fee.
The Citi Strata Premier℠ Card has the edge for earning rewards. Bonus points on gas and groceries are always a great perk. That's especially true with travel cards, since most don't offer those types of bonus categories. It's also easy enough to earn a $100 hotel credit with this card and make back your annual fee. The decision comes down to whether you prefer that or Chase's rewards program.
On Chase's Secure Website.
On Chase's Secure Website.
Good/Excellent (670-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.49%-28.49% Variable
Rewards Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases
Annual Fee N/A
$95
Welcome Offer Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
75,000 bonus points
The enormous welcome bonus (worth over $900), bonus points for travel and dining, and $50 annual hotel credit alone make this card well worth the $95 annual fee. What really stands out are the rare travel protections such as trip delay reimbursement, lost luggage reimbursement, and trip cancellation/interruption insurance. It’s one of the only low annual fee cards we’ve seen offer those protections. Read Full Review
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.24% - 29.24% (Variable)
Rewards 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases.
1x - 10x points
Annual Fee
$95
Welcome Offer Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com.
70,000 ThankYou® Points
Citi Strata Premier offers 3X points on restaurants, supermarkets, at gas stations, for air travel, and other hotel purchases – a unique combination of bonus categories for a low annual fee card. It comes with a welcome bonus that's redeemable for $700 in gift cards or travel rewards, no foreign transaction fee, and access to Citi's ThankYou® Rewards program, a standout in the industry. Read Full Review
Our Credit Cards Experts
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