Card comparison · Citi vs Chase
Citi Strata Premier vs Chase Sapphire Preferred
The Citi Strata Premier ($95 annual fee) ranks #4 and the Chase Sapphire Preferred ($95) ranks #7 of the 294 credit cards we score. Here they are side by side, from our card database.
Side by side
| Citi Strata Premier | Chase Sapphire Preferred | |
|---|---|---|
| Issuer | Citi | Chase |
| Annual fee | $95 | $95 |
| Welcome offer | Earn 60,000 bonus points spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. | Earn 75,000 bonus points after you spend $5,000 on 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 | 73 (#4 of 294) | 68 (#7 of 294) |
| Grocery ranking | #7 of 57 | #5 of 57 |
| Gas ranking | #4 of 43 | not in this list |
| Dining ranking | #7 of 67 | #6 of 67 |
| Travel ranking | #2 of 47 | #20 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: Citi Strata Premier (73 vs 68). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
- Same annual fee: $95 on both.
- Grocery: Chase Sapphire Preferred ranks higher in our grocery ranking (#5 vs #7 of 57).
- Gas: only Citi Strata Premier is in our gas ranking (#4 of 43).
- Dining: Chase Sapphire Preferred ranks higher in our dining ranking (#6 vs #7 of 67).
- Travel: Citi Strata Premier ranks higher in our travel ranking (#2 vs #20 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 Premier better than the Chase Sapphire Preferred?
By our overall score the Citi Strata Premier ranks higher (73 vs 68), 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 Premier or Chase Sapphire Preferred?
Both list $95.
What are the welcome offers on the Citi Strata Premier and Chase Sapphire Preferred?
Citi Strata Premier: Earn 60,000 bonus points spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. Chase Sapphire Preferred: Earn 75,000 bonus points after you spend $5,000 on 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?
Grocery: Chase Sapphire Preferred ranks higher in our grocery ranking (#5 vs #7 of 57). Gas: only Citi Strata Premier is in our gas ranking (#4 of 43). Dining: Chase Sapphire Preferred ranks higher in our dining ranking (#6 vs #7 of 67). Travel: Citi Strata Premier ranks higher in our travel ranking (#2 vs #20 of 47).