Chase Sapphire Preferred vs Citi Strata Premier
Ultimate Rewards vs ThankYou Points
Verified October 2026
Both the Chase Sapphire Preferred and Citi Strata Premier carry a $95 annual fee. Pick the Chase Sapphire Preferred for everyday Lyft spending (5x); pick the Citi Strata Premier for everyday restaurants spending (3x).
At a Glance
Chase Sapphire Preferred
- Annual Fee
- $95
- Signup Bonus
- 75,000 points
- Network
- Visa
- Points Currency
- Ultimate Rewards
- Earning Rates
-
Lyft 5xDining 3xAll Other Purchases 1xTravel Booked Through Chase Travel 5x
Citi Strata Premier Card
- Annual Fee
- $95
- Signup Bonus
- 75,000 points
- Network
- Mastercard
- Points Currency
- ThankYou Points
- Earning Rates
-
Restaurants 3xSupermarkets 3xEverything Else 1xGas Ev Charging 3xAir Hotel Travel 3x
Category Breakdown
How they compare across key categories
Annual Fee
TieChase Sapphire Preferred $95 vs Citi Strata Premier $95
Welcome Bonus
TieChase Sapphire Preferred: 75,000 points after $5,000 in 3 months vs Citi Strata Premier: 75,000 points after $4,000 in 3 months
Top Earning Rate
Chase Sapphire Preferred winsChase Sapphire Preferred: 5x on Lyft vs Citi Strata Premier: 3x on restaurants
Perks & Credits
Chase Sapphire Preferred winsChase Sapphire Preferred: 3 listed benefits vs Citi Strata Premier: 2 listed benefits
Transfer Partners
TieChase Sapphire Preferred: 14 airline and hotel partners vs Citi Strata Premier: 14+ airline and hotel partners
Perks & Benefits
Chase Sapphire Preferred
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Citi Strata Premier
- $100 annual hotel credit (single stay $500+)
- No foreign transaction fees
Which Is Right for You?
Get the Chase Sapphire Preferred if...
- Earns 5x on Lyft
- Earns 5x on travel booked through Chase Travel
- Hotel credit ($50)
Get the Citi Strata Premier if...
- Earns 3x on restaurants
- Earns 3x on supermarkets
- $100 annual hotel credit (single stay $500+)
Frequently Asked Questions
Is the Chase Sapphire Preferred or Citi Strata Premier better?
Both the Chase Sapphire Preferred and Citi Strata Premier carry a $95 annual fee. Pick the Chase Sapphire Preferred for everyday Lyft spending (5x); pick the Citi Strata Premier for everyday restaurants spending (3x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.
Which has the lower annual fee, the Chase Sapphire Preferred or Citi Strata Premier?
Both cards have a $95 annual fee.
Which card earns points faster?
The Chase Sapphire Preferred earns up to 5x on Lyft, while the Citi Strata Premier earns up to 3x on restaurants.
Can I have both the Chase Sapphire Preferred and the Citi Strata Premier?
Yes. They're issued independently, so you can hold both and earn Ultimate Rewards and ThankYou Points side by side.
Ready to use your points?
Search award flight availability across all partner airlines in one place.
Search award flightsNeed More Points?
Earn bonus points with these credit card offers
Can't find availability at your current points balance? These credit cards earn points you can put towards your next flight.
The Platinum Card from American Express
Personal · Annual fee $895
175,000 points
after $12,000 in 6 months
- Airline incidentals credit ($200)
- Uber credit ($200)
- Lounge access
American Express Gold Card
Personal · Annual fee $325
100,000 points
after $8,000 in 6 months
- Dining credit ($120)
- Resy credit ($100)
- Dunkin credit ($84)
Chase Sapphire Reserve
Personal · Annual fee $795
100,000 points
after $6,000 in 3 months
- Annual Travel Credit ($300)
- Global Entry/TSA PreCheck Credit ($120)
- The Edit Hotel Credit ($500)
Chase Ink Business Preferred®
Business · Annual fee $95
100,000 Ultimate Rewards points
after $8,000 in purchases in the first 3 months
- 3x points on travel & shipping
- 3x points on advertising
- 3x points on internet/cable/phone
Chase Sapphire Preferred
Personal · Annual fee $95
75,000 points
after $5,000 in 3 months
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Capital One Venture Rewards
Personal · Annual fee $95
75,000 points
after $4,000 in 3 months
- Capital One Travel credit ($300)
Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.