Chase Sapphire Preferred vs Citi Strata Premier: Which Is Better?

Chase Sapphire Preferred vs Citi Strata Premier

Chase vs Citi · Numbers from our scoring model

At typical spending, the Chase Sapphire Preferred comes out ahead by about $50 a year ($1,533 vs $1,483). The Chase Sapphire Preferred earns more on flights & hotels and streaming. Which one wins for you depends on where your money actually goes.

Chase Sapphire Preferred$95 annual fee

Citi Strata Premier$95 annual fee

	Chase Sapphire Preferred	Citi Strata Premier
Est. value/yr at typical spending	$1,533	$1,483
Annual fee	$95	$95
Yearly credits	$100	$100
Fee after credits	−$5	−$5
Dining	3x	3x
Groceries	3x	3x
Flights & hotels	5x	4.6x
Rent	1x	1x
Gas & transit	3x	3x
Streaming	3x	1x
Online shopping	1x	1x
Everything else	1x	1x
Transfer partners	13	17
Lounge access	No	No

Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.

Transfer partners

They share 4 partners. Only the Chase Sapphire Preferred: United MileagePlus, Southwest Rapid Rewards, British Airways Avios, Air Canada Aeroplan, Iberia Plus, Aer Lingus AerClub, World of Hyatt, Marriott Bonvoy, IHG One Rewards. Only the Citi Strata Premier: Avianca LifeMiles, Cathay Pacific AsiaMiles, Choice Privileges, Etihad Guest, Eva Air Infinity MileageLands, JetBlue TrueBlue, Qantas Frequent Flyer, Qatar Privilege Club, Thai Royal Orchid Plus, Turkish Miles&Smiles, Wyndham Rewards, American AAdvantage, Japan Airlines Mileage Bank.

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