Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Chase Sapphire Preferred® Credit Card ($95/yr) and the Citi Strata Premier® Card ($95/yr) comes down to where you spend most. Both cost $95 a year, so it comes down to where you spend: Chase Sapphire Preferred Card earns more on dining, groceries, other travel and other purchases, Citi Strata Premier Card on gas, flights and hotels. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 3%. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply NowStrongest in flights and hotels at 3%. 10x points on hotels, car rentals, and attractions booked on cititravel.com; 3x on air travel, restaurants, supermarkets, gas & EV charging.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply Now| Feature | Chase Sapphire Preferred Card | Citi Strata Premier Card |
|---|---|---|
| Annual Fee | $95 | $95 |
| Sign-Up Bonus | 75,000 points after $5,000 spend in 3 months | 60,000 points after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Flights Rewards | 2% | 3% |
| Hotels Rewards | 2% | 3% |
| Other travel Rewards | 2% | 1% |
| Dining Rewards | 3% | 3% |
| Groceries Rewards | 3% | 3% |
| Gas Rewards | 1% | 3% |
| Rates with conditions not counted in the rows above |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 2%. 3% at top gas and EV charging brands Earns 3% only at the gas station and EV charging brands Chase selects. Other gas stations earn 1%. |
10% through Citi Travel Earns 10% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Booking direct with a hotel or rental company earns 3%. |
| Key Benefits | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. | 10x points on hotels, car rentals, and attractions booked on cititravel.com; 3x on air travel, restaurants, supermarkets, gas & EV charging. |
Citi Strata Premier Card wins on travel, gas.
Chase Sapphire Preferred Card carries $220/year in credits (mostly tied to specific merchants or bookings), while Citi Strata Premier Card carries $100/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.