Card comparison · Citi vs Chase
Citi Strata Elite vs Chase Sapphire Reserve
The Citi Strata Elite ($595 annual fee) ranks #124 and the Chase Sapphire Reserve ($795) ranks #1 of the 294 credit cards we score. Here they are side by side, from our card database.
Side by side
| Citi Strata Elite | Chase Sapphire Reserve | |
|---|---|---|
| Issuer | Citi | Chase |
| Annual fee | $595 | $795 |
| Welcome offer | Earn 75,000 bonus points after spending $6,000 in the first 3 months. | Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening. |
| Rewards |
|
|
| Intro APR | — | — |
| Ongoing APR | — | — |
| Balance transfer fee | — | — |
| Foreign transaction fee | None | None |
| Our overall score | 53 (#124 of 294) | 82 (#1 of 294) |
| Dining ranking | #59 of 67 | #4 of 67 |
| Travel ranking | #45 of 47 | #1 of 47 |
| Apply now | Apply now |
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.
Which one fits you
- Higher overall score: Chase Sapphire Reserve (82 vs 53). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
- Lower annual fee: Citi Strata Elite, by $200 a year ($595 vs $795). The pricier card has to earn at least $200 more in rewards or credits you actually use to come out ahead.
- Dining: Chase Sapphire Reserve ranks higher in our dining ranking (#4 vs #59 of 67).
- Travel: Chase Sapphire Reserve ranks higher in our travel ranking (#1 vs #45 of 47).
How we compared them
Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
Is the Citi Strata Elite better than the Chase Sapphire Reserve?
By our overall score the Chase Sapphire Reserve ranks higher (82 vs 53), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.
Which has the lower annual fee, Citi Strata Elite or Chase Sapphire Reserve?
The Citi Strata Elite: $595 vs $795, as stored in our database.
What are the welcome offers on the Citi Strata Elite and Chase Sapphire Reserve?
Citi Strata Elite: Earn 75,000 bonus points after spending $6,000 in the first 3 months. Chase Sapphire Reserve: Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening. Offers change often; terms apply.
Which is better for everyday categories like dining, groceries or travel?
Dining: Chase Sapphire Reserve ranks higher in our dining ranking (#4 vs #59 of 67). Travel: Chase Sapphire Reserve ranks higher in our travel ranking (#1 vs #45 of 47).