Which card earns more rewards, the Chase Sapphire Preferred Card or Citi Strata Premier Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Chase Sapphire Preferred Card have that the Citi Strata Premier Card doesn't?

The Chase Sapphire Preferred Card offers travel credits. The Citi Strata Premier Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Preferred Card or the Citi Strata Premier Card?

Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Chase Sapphire Preferred Card or Citi Strata Premier Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Chase Sapphire Preferred Card have that the Citi Strata Premier Card doesn't?

The Chase Sapphire Preferred Card offers travel credits. The Citi Strata Premier Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Preferred Card or the Citi Strata Premier Card?

Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Chase Sapphire Preferred Card or Citi Strata Premier Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Chase Sapphire Preferred Card have that the Citi Strata Premier Card doesn't?

The Chase Sapphire Preferred Card offers travel credits. The Citi Strata Premier Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Preferred Card or the Citi Strata Premier Card?

Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Chase Sapphire Preferred Card vs Citi Strata Premier Card

Both cards cost $95/yr. The Chase Sapphire Preferred Card is better for travel, while the Citi Strata Premier Card wins on hotels. Here's how they compare.

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

75,000 Flex point

60,000 Flex point

Earn Rates

Category	Chase Sapphire Preferred Card	Citi Strata Premier Card
Dining	3X	3X

Category-by-Category Winner

Both cards win in 4 categories each — it comes down to which categories matter most to you.

Streaming

Chase Sapphire Preferred Card earns 3X vs 1X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Travel

Chase Sapphire Preferred Card earns 2X vs 1X

Hotels

Citi Strata Premier Card earns 3X vs 1X

Gas Stations

Citi Strata Premier Card earns 3X vs 1X

Flights

Citi Strata Premier Card earns 3X vs 1X

Grocery Stores

Citi Strata Premier Card earns 3X vs 1X

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Citi Strata Premier Card means losing:

Frequently Asked Questions

Which card earns more rewards, the Chase Sapphire Preferred Card or Citi Strata Premier Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Chase Sapphire Preferred Card have that the Citi Strata Premier Card doesn't?: The Chase Sapphire Preferred Card offers travel credits. The Citi Strata Premier Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Preferred Card or the Citi Strata Premier Card?: Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: Chase cards · Citi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Chase Sapphire Preferred Card vs Citi Strata Premier Card

Both cards cost $95/yr. The Chase Sapphire Preferred Card is better for travel, while the Citi Strata Premier Card wins on hotels. Here's how they compare.