Chase Sapphire Reserve vs Citi Strata Elite Card
Compare the Chase Sapphire Reserve ($550/yr) against the Citi Strata Elite Card ($595/yr) to see which card earns you more rewards based on your spending.
See how the Chase Sapphire Reserve and Citi Strata Elite Card stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Chase Sapphire Reserve | Citi Strata Elite Card |
|---|---|---|
| Annual Fee | $550 | $595 |
| Sign-Up Bonus | 75,000 points after $4,000 spend in 3 months | 75,000 points after $6,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 1.5% |
| Travel Rewards | 5% | 6% |
| Dining Rewards | 3% | 3% |
| Key Benefits | 10x on hotels/car rentals, 5x on flights through Chase Travel, 3x on dining. | 12x on hotels/car rentals via Citi Travel, 6x on flights via Citi Travel, 3x on dining. |
| Issuer | Chase | Citi |
Quick Summary
The Chase Sapphire Reserve has a $550 annual fee (saving you $45/year compared to Citi Strata Elite Card).
Citi Strata Elite Card has a higher base reward rate (1.5% vs 1.0%).
Which Card is Better for Your Spending?
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