Is the Chase Sapphire Preferred® Card or Citi Strata Premier® Card better?

It depends on your spending. The Sapphire Preferred has a net annual cost of $45 after credits, while the Strata Premier costs $95 net. Compare their earning rates and benefits to see which matches your spending habits.

What is the annual fee difference between the Sapphire Preferred and Strata Premier?

The Sapphire Preferred has a $95 annual fee and the Strata Premier has a $95 annual fee. However, both cards offer statement credits that reduce the effective cost.

Can I have both the Sapphire Preferred and Strata Premier?

Yes. Since the Sapphire Preferred is issued by Chase and the Strata Premier is issued by Citi, you can hold both. Many cardholders pair cards from different issuers to maximize rewards across spending categories.

Side-by-side comparison

Sapphire Preferred vs Strata Premier

Chase

Sapphire Preferred

$95/yr

Apply Now

We may earn a commission if approved.

Citi

Strata Premier

$95/yr

Apply at Citi

Basics

Annual fee

$95/yr

Rewards type

Chase Ultimate Rewards

Citi ThankYou Points

Annual credits

$50/yr

—

Net cost (fee − credits)

$45/yr

$95/yr

Earning rates

All other spending

1x pts

Travel

5x pts

—

Dining

3x pts

Groceries

3x pts

Streaming

3x pts

—

Hotels

—

10x pts

Car Rentals

—

10x pts

Flights

—

3x pts

Gas & EV Charging

—

3x pts

Credits & Benefits

Up to $50 Hotel Credit

$50/yr

—

Which card should you pick?

After accounting for credits and benefits, the Sapphire Preferred has a lower net annual cost ($45/yr vs $95/yr for the Strata Premier), making it the more cost-effective choice if you use the credits.

The Sapphire Preferred stands out with 5x pts on travel, while the Strata Premier leads with 10x pts on hotels. Pick the card that matches where you spend the most each month.

Full Sapphire Preferred review →Full Strata Premier review →

Some links on this page are affiliate links. We may earn a commission at no cost to you if you apply for a card through our links.

Side-by-side comparison

Sapphire Preferred vs Strata Premier

Chase

Sapphire Preferred

$95/yr

Apply Now

We may earn a commission if approved.

Citi

Strata Premier

$95/yr

Apply at Citi

Basics

Annual fee

$95/yr

Rewards type

Chase Ultimate Rewards

Citi ThankYou Points

Annual credits

$50/yr

—

Net cost (fee − credits)

$45/yr

$95/yr

Earning rates

All other spending

1x pts

Travel

5x pts

—

Dining

3x pts

Groceries

3x pts

Streaming

3x pts

—

Hotels

—

10x pts

Car Rentals

—

10x pts

Flights

—

3x pts

Gas & EV Charging

—

3x pts

Credits & Benefits

Up to $50 Hotel Credit

$50/yr

—

Which card should you pick?

The Sapphire Preferred stands out with 5x pts on travel, while the Strata Premier leads with 10x pts on hotels. Pick the card that matches where you spend the most each month.

Full Sapphire Preferred review →Full Strata Premier review →

Some links on this page are affiliate links. We may earn a commission at no cost to you if you apply for a card through our links.