{"id":54024,"date":"2021-11-06T13:00:17","date_gmt":"2021-11-06T13:00:17","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=54024"},"modified":"2026-04-08T13:41:34","modified_gmt":"2026-04-08T13:41:34","slug":"citi-premier-vs-chase-sapphire-preferred","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/citi-premier-vs-chase-sapphire-preferred\/","title":{"rendered":"Chase Sapphire Preferred\u00ae Card vs Citi Strata Premier\u00ae Card: Which Is Better?"},"content":{"rendered":"

The Citi Strata Premier\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>) and Chase Sapphire Preferred\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>) are two of the top mid-tier rewards cards. Both earn flexible points that can be redeemed for travel at a fixed value or transferred to more than a dozen hotel and airline partners.<\/p>\n

These cards charge affordable annual fees under $100 and feature great welcome offers, so now is a great time to compare the bonus, earning potential, and benefits of these cards to decide which one deserves a spot in your wallet.<\/p>\n

Citi Strata Premier vs. Sapphire Preferred at a Glance<\/span><\/h2>\n

\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t
Card Details<\/th>Citi Strata Premier\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>)<\/th>Chase Sapphire Preferred\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>)<\/th>\n<\/tr>\n<\/thead>\n
Signup Bonus<\/strong><\/td>Earn 60,000 bonus ThankYou\u00ae<\/sup> Points<\/td>Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening<\/td>\n<\/tr>\n
Bonus Categories<\/strong><\/td>\u2022 10X points per $1 on hotels, car rentals, and attractions booked through CitiTravel.com
\n\u2022 3X points per $1 spent on airfare and other hotels
\n\u2022 3X points per $1 spent at gas and EV charging stations
\n\u2022 3X points per $1 spent on dining at restaurants, including cafes, bars and lounges
\n\u2022 3X points per $1 spent at supermarkets
\n\u2022 1X points per $1 spent on all other purchases<\/td>		\u2022 5X points on Lyft rides through September 2027
\n\u2022 5X points on all travel purchased through Chase Travel\u2120
\n\u2022 3X points on dining at restaurants worldwide
\n\u2022 3X points on eligible streaming services
\n\u2022 3X points on online<\/strong> grocery purchases (excluding Target, Walmart, and wholesale clubs)
\n\u2022 2X points on travel which is not purchased through Chase Travel\u2120
\n\u2022 1X point per $1 spent on all other purchases<\/td>\n<\/tr>\n
Value of Points<\/strong><\/td>\u2022 1.0\u00a2 per point for airfare through Citi Travel Center
\n\u2022 Transfer points to 21 airline and hotel partners<\/a> <\/td>		\u2022 Up to 1.5\u00a2 per point for travel through the Chase Travel\u2120 Portal, depending on your specific redemption
\n\u2022 Transfer points to 14 airline and hotel partners<\/a><\/td>\n<\/tr>\n
Key Benefits<\/strong><\/td>\u2022 Hotel credit - $100 annual credit eligible on hotel reservations of $500 or more made through CitiTravel.com.
\n\u2022 World Elite Mastercard benefits
\n\u2022 Free FICO score
\n\u2022 Lost or Damaged Luggage protection
\n\u2022 MasterRental Coverage (Car Rental)
\n\u2022 Trip Delay reimbursement if your trip is delayed more than six (6) hours due to a covered loss
\n\u2022 Common Carrier Trip Cancellation and Trip Interruption<\/td>		\u2022\u00a0Primary CDW insurance on car rentals worldwide
\n\u2022\u00a0Trip delay reimbursement up to $500 for delays 12+ hours or overnight
\n\u2022\u00a0Trip cancellation and interruption insurance up to $10K per covered trip
\n\u2022\u00a0Lost luggage reimbursement and baggage delay coverage
\n\u2022 Hotel credit \u2013 $50 annual credit eligible on hotel stays purchased through Chase Travel\u2120
\n\u2022 10% anniversary bonus \u2013 Each year, cardmembers will receive 10% of the points earned in the previous year as a bonus<\/td>\n<\/tr>\n
Eligibility<\/strong><\/td>Won't be approved if you:
\n\u2022\u00a0Have received a new account bonus for a Citi Premier\u00ae<\/sup> or a Citi Strata PremierSM<\/sup> account in the past 48 months<\/td>		Won't be approved if you:
\n\u2022 Currently hold a Sapphire card, or have received a signup bonus on one in the previous 48 months.
\n\u2022 Have opened 5 or more new credit card accounts in the previous 24 months (Chase's 5\/24 Rule<\/a>)<\/td>\n<\/tr>\n
Annual Fee<\/strong><\/td>$95<\/td>$95<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n

60,000 ThankYou\u00ae<\/sup> Points vs. 75,000 Ultimate Rewards Points<\/span><\/h2>\n

\n
\n
\n
Citi Strata Premier\u00ae<\/sup> Card<\/div>\n
\"Citi<\/div>\n
Apply Now<\/a><\/div>\n
Rates & Fees<\/a><\/span><\/div>\n
Welcome Offer<\/strong>\r\nEarn 60,000 bonus ThankYou\u00ae<\/sup> Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.<\/div>\n <\/div>\n
\n Citi Strata Premier\u00ae<\/sup> Card<\/strong>\n
Welcome Offer<\/strong>\r\nEarn 60,000 bonus ThankYou\u00ae<\/sup> Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.<\/div>\n
Annual Fee:<\/strong>$95<\/b><\/div>\n
Show more<\/a>Why We Like It<\/a>Highlights<\/a>Earning Rates<\/a>
The Citi Strata Premier\u00ae<\/sup> Card offers some of the best earning rates of any rewards card with an annual fee under $100. This card offers excellent rewards on an unusually generous list of earning categories, including air travel, hotels, car rentals, groceries, and dining\u2014and it tops our list of the best cards for gas & fuel purchases<\/a>. <\/div>