Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $95/yr. The Chase Sapphire Preferred Card leads on travel; the Citi Strata Premier Card on hotels.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Chase Sapphire Preferred Card | Citi Strata Premier Card |
|---|---|---|
| Dining | 3X | 3X |
| Electric Vehicle Charging | 3X | 1X |
| Flights | 1X | 3X |
| Gas Stations | 3X | 3X |
| Grocery Stores | 3X | 3X |
| Hotels | 1X | 3X |
Network
Key Benefits
Pros
Cons
The Chase Sapphire Preferred Card wins in 4 of 6 categories. The Citi Strata Premier Card leads in 2. 2 more categories depend on booking channel or caps.
Travel
Chase Sapphire Preferred Card earns 5X vs 1X
5X via Chase Travel portal
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 1X
Vacation Rentals
Chase Sapphire Preferred Card earns 3X vs 1X
Streaming
Chase Sapphire Preferred Card earns 3X vs 1X
Hotels
Citi Strata Premier Card earns 10X vs 1X
10X via issuer travel portal
Car Rentals
Depends: via issuer travel portal
Citi Strata Premier Card earns 10X when conditions are met; Chase Sapphire Preferred Card earns 1X (1X without restrictions)
Attractions
Depends: via issuer travel portal
Citi Strata Premier Card earns 10X when conditions are met; Chase Sapphire Preferred Card earns 1X (1X without restrictions)
Modeled value is close across spend levels — especially once statement credits are counted.
| Streaming | 3X | 1X |
| Vacation Rentals | 3X | 1X |
| Travel | 2X | 1X |
| Everything Else | 1X | 1X |
Flights
Citi Strata Premier Card earns 3X vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Chase Sapphire Preferred Card | Citi Strata Premier Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $410 Credits (our usable estimate): $109 − Annual fee ($95) Ongoing: $424 Year one: $1,774 | Rewards: $346 Credits (our usable estimate): $125 − Annual fee ($95) Ongoing: $376 Year one: $1,336 | Close — depends on how much of the credits you use | Chase Sapphire Preferred Card |
| Heavy spender: $4,000/month | Rewards: $1,642 Credits (our usable estimate): $109 − Annual fee ($95) Ongoing: $1,656 Year one: $3,006 | Rewards: $1,382 Credits (our usable estimate): $125 − Annual fee ($95) Ongoing: $1,412 Year one: $2,372 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
