Card comparison

Chase Sapphire Preferred vs Citi Strata Premier

Ultimate Rewards vs ThankYou Points

Verified July 2026

TL;DR — quick verdict

Both the Chase Sapphire Preferred and Citi Strata Premier carry a $95 annual fee. Pick the Chase Sapphire Preferred for everyday Lyft spending (5x); pick the Citi Strata Premier for everyday restaurants spending (3x).

At a Glance

Chase Sapphire Preferred

Annual Fee
$95
Signup Bonus
100,000 points
Network
Visa
Points Currency
Ultimate Rewards
Earning Rates
Lyft 5x
Dining 3x
Vacation Homes 3x
Other Purchases 1x
Gas And Ev Charging 3x
Chase Travel Purchases 5x

Citi Strata Premier Card

Annual Fee
$95
Signup Bonus
75,000 points
Network
Mastercard
Points Currency
ThankYou Points
Earning Rates
Restaurants 3x
Supermarkets 3x
Everything Else 1x
Gas Ev Charging 3x
Air Hotel Travel 3x

Category Breakdown

How they compare across key categories

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Annual Fee

Tie

Chase Sapphire Preferred $95 vs Citi Strata Premier $95

Welcome Bonus

Chase Sapphire Preferred wins

Chase Sapphire Preferred: 100,000 points after $5,000 in 3 months vs Citi Strata Premier: 75,000 points after $4,000 in 3 months

Top Earning Rate

Chase Sapphire Preferred wins

Chase Sapphire Preferred: 5x on Lyft vs Citi Strata Premier: 3x on restaurants

Perks & Credits

Chase Sapphire Preferred wins

Chase Sapphire Preferred: 4 listed benefits vs Citi Strata Premier: 2 listed benefits

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Transfer Partners

Tie

Chase Sapphire Preferred: 14 airline and hotel partners vs Citi Strata Premier: 14+ airline and hotel partners

Perks & Benefits

Chase Sapphire Preferred

  • Chase Travel hotel credit ($100)
  • Global Entry/TSA PreCheck credit ($120)
  • DoorDash DashPass ($120)
  • Apple TV subscription ($0)

Citi Strata Premier

  • $100 annual hotel credit (single stay $500+)
  • No foreign transaction fees

Which Is Right for You?

Get the Chase Sapphire Preferred if...

  • Earns 5x on Lyft
  • Earns 5x on Chase Travel purchases
  • Chase Travel hotel credit ($100)

Get the Citi Strata Premier if...

  • Earns 3x on restaurants
  • Earns 3x on supermarkets
  • $100 annual hotel credit (single stay $500+)

Related Resources

Amex Points Value

What are Amex points worth?

Chase Points Value

What are Chase points worth?

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Frequently Asked Questions

Is the Chase Sapphire Preferred or Citi Strata Premier better?

Both the Chase Sapphire Preferred and Citi Strata Premier carry a $95 annual fee. Pick the Chase Sapphire Preferred for everyday Lyft spending (5x); pick the Citi Strata Premier for everyday restaurants spending (3x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.

Which has the lower annual fee, the Chase Sapphire Preferred or Citi Strata Premier?

Both cards have a $95 annual fee.

Which card earns points faster?

The Chase Sapphire Preferred earns up to 5x on Lyft, while the Citi Strata Premier earns up to 3x on restaurants.

Can I have both the Chase Sapphire Preferred and the Citi Strata Premier?

Yes. They're issued independently, so you can hold both and earn Ultimate Rewards and ThankYou Points side by side.

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Need More Points?

Earn bonus points with these credit card offers

Can't find availability at your current points balance? These credit cards offer generous welcome bonuses to help you book your dream flight.

The Business Platinum Card from American Express

Business · Annual fee $895

US only

200,000 points

after $20,000 in 3 months

  • Hotel credit ($600)
  • Dell credit ($1150)
  • Adobe credit ($250)
Learn more & apply

American Express Business Gold Card

Business · Annual fee $375

US only

200,000 points

after $15,000 in 3 months

  • ChatGPT Business Statement Credit ($300)
  • FedEx, Grubhub and Office Supply Statement Credit ($240)
  • Walmart+ Statement Credit ($155)
Learn more & apply

The Platinum Card from American Express

Personal · Annual fee $895

US only

175,000 points

after $12,000 in 6 months

  • Hotel credit ($600)
  • Digital entertainment credit ($300)
  • Uber Cash and One credit ($320)
Learn more & apply

American Express Gold Card

Personal · Annual fee $250

US only

100,000 points

after $8,000 in 6 months

  • Dining credit ($120)
  • Resy credit ($100)
  • Disney Streaming credit ($120)
Learn more & apply

Chase Sapphire Preferred

Personal · Annual fee $95

100,000 points

after $5,000 in 3 months

  • Chase Travel hotel credit ($100)
  • Global Entry/TSA PreCheck credit ($120)
  • DoorDash DashPass ($120)
Learn more & apply

Chase Sapphire Reserve

Personal · Annual fee $795

100,000 points

after $6,000 in 3 months

  • Travel credit ($300)
  • The Edit hotel credit ($500)
  • Dining credit ($300)
Learn more & apply

Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.