Chase Sapphire Preferred Card vs. Citi Strata Premier Card: Which Travel Card is the Best Value?

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The Chase Sapphire Preferred^® Card (Rates and Fees) and Citi Strata Premier® Card, from our partner Citi, are two popular travel credit cards that offer tremendous value. Both offer a generous welcome bonus, valuable bonus categories and many benefits you can use when traveling or going about your daily life. They also both have a reasonable annual fee, and their points can be transferred to airline and hotel partners (some of which overlap). 

If you’re in the market for a mid-tier travel credit card, take a look at our analysis of how the Chase Sapphire Preferred and Citi Strata Premier® Card compare against each other so you can make your decision more easily.

Chase Sapphire Preferred vs. Citi Strata Premier® Card

Card	Sign-Up Bonus	Annual Fee	Rewards Rate	Learn More
Chase Sapphire Preferred® Card Apply Now Rates and Fees	75,000Chase Ultimate Rewards Points More Info Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,575 (75,000 Chase Ultimate Rewards Points * 0.021 base)	$95	1x- 5xPoints More Info Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases	Apply Now Rates and Fees
Citi Strata Premier® Card Apply Now Rates & Fees	60,000Citi ThankYou® Points More Info Earn 60,000 bonus ThankYou® 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. Dollar Equivalent: $1,080 (60,000 Citi ThankYou® Points * 0.018 base)	$95	1X-10XPoints More Info 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases 3x -- Earn 3 Points per $1 spent on Restaurants 3x -- Earn 3 Points per $1 spent on Supermarkets 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations 1x -- Earn 1 Point per $1 spent on All Other Purchases	Apply Now Rates & Fees

The Chase Sapphire Preferred Card and Citi Strata Premier® Card both have a lot to offer, especially for a relatively low annual fee. Choosing the best card comes down to selecting the one that most closely aligns with your spending habits and travel goals. You’ll want to familiarize yourself with both the benefits and ways you can redeem your points. Here's a look at the details.

Sign-Up Bonus

Winner: Tie

The two cards have historically offered comparable sign-up bonuses. For example, the Citi Strata Premier® Card is currently offering a bonus of 60,000 points after you spend $4,000 within the first three months of account opening. Meanwhile, the Chase Sapphire Preferred offers 75,000 points when you spend $5,000 in the first three months.

The best sign-up bonus comes down to how you plan to redeem your points. We’ll dive deeper into the ways you can redeem these points, since they’re not exactly equal. In the meantime, here’s a look at the five airline transfer partners Chase Ultimate Rewards and Citi ThankYou® Points have in common:

• Air France/KLM Flying Blue 
• Emirates Skyward
• JetBlue TrueBlue
• Singapore Airlines KrisFlyer
• Virgin Atlantic Flying Club

If you want to earn more Hyatt points, for example, then the Chase Sapphire Preferred Card is the better option since you can't transfer your Citi points to World of Hyatt. 

Recommended Credit Card Bonuses

Credit Card	Intro Bonus	Annual Fee	Rewards Rate	Learn More
Chase Freedom Unlimited® Apply Now Rates and Fees	$200Cash Bonus More Info Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening	$0	1.5% - 5%Cashback More Info Enjoy 5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases	Apply Now Rates and Fees
Citi Strata Premier® Card Apply Now Rates & Fees	60,000Citi ThankYou® Points More Info Earn 60,000 bonus ThankYou® 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. Dollar Equivalent: $1,080 (60,000 Citi ThankYou® Points * 0.018 base)	$95	1X-10XPoints More Info 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases 3x -- Earn 3 Points per $1 spent on Restaurants 3x -- Earn 3 Points per $1 spent on Supermarkets 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations 1x -- Earn 1 Point per $1 spent on All Other Purchases	Apply Now Rates & Fees
Chase Sapphire Preferred® Card Apply Now Rates and Fees	75,000Chase Ultimate Rewards Points More Info Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,575 (75,000 Chase Ultimate Rewards Points * 0.021 base)	$95	1x- 5xPoints More Info Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases	Apply Now Rates and Fees
Wells Fargo Active Cash® Card Apply Now Rates & Fees	$200Cash Bonus More Info Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.	$0	2%Cashback More Info Earn unlimited 2% cash rewards on purchases.	Apply Now Rates & Fees

Rewards Rates

Winner: Tie

When you’re shopping for a credit card, it’s always best to look beyond the welcome bonus. You want a card that will generously reward you for your daily purchases and has bonus categories that match your spending habits. 

Chase Sapphire Preferred Rewards

The Chase Sapphire Preferred has more well-rounded bonus categories:

• Cardholders earn 5X points on Chase Travel℠ and Lyft rides through September 30, 2027.
• The card earns 3X points on select streaming services, dining (including eligible delivery services) and online grocery purchases (excluding Target, Walmart and wholesale clubs).
• Plus, you’ll earn 2X points on all other travel purchases and 1 point per dollar on other purchases.

These bonuses can help most people accrue a lot of points every year. If that’s not enough, you’ll get an annual bonus equal to 10% of your total purchases made the previous year. For example, if you spend $20,000 on your card, you’ll get 2,000 bonus points. Essentially, you’re earning a minimum of 1.1 points per dollar spent on this card.

Citi Strata Premier® Card Rewards

The Citi Strata Premier® Card offers solid value as well:

• Earn 10X points on hotels, car rentals, and attractions booked on CitiTravel.com.
• Earn 3X points at restaurants, gas stations, EV Charging stations and supermarkets, as well as on air travel and other hotel purchases.
• All other points earn 1 point per dollar spent.

In some ways, the Citi Strata Premier® Card is a better card. The grocery bonus isn’t limited to online purchases and cardholders are rewarded more for travel portal bookings. However, the Citi Strata Premier® Card 10X points per dollar rewards rate excludes air travel, whereas the Chase Sapphire Preferred's comparable promotion does not.

Point Redemption Value

Winner: Chase Sapphire Preferred

Both cards let you transfer points to travel partners or redeem them through a travel portal. You’ll get the most value by transferring your points, but direct bookings are more straightforward. Plus, they provide more flexibility when award inventory is limited by airlines and hotels. This can happen quite often during peak travel dates. Being able to still redeem your points at a flat rate through a travel portal is useful in these situations.

Best Point Value for Transfer Partners

If you plan on redeeming points with a transfer partner, Slickdeals values Ultimate Rewards points at 2.1 cents and Citi ThankYou Points at 1.8. That’s the value you can expect when redeeming points for premium travel redemptions. There’s plenty to choose from, with both programs offering plenty of transfer partners and sweet spots.

Recommended Travel Credit Cards

Credit Card	Intro Bonus	Annual Fee	Rewards Rate	Learn More
Chase Sapphire Preferred® Card Apply Now Rates and Fees	75,000Chase Ultimate Rewards Points More Info Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,575 (75,000 Chase Ultimate Rewards Points * 0.021 base)	$95	1x- 5xPoints More Info Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases	Apply Now Rates and Fees
Wells Fargo Autograph Journey℠ Card Apply Now Rates & Fees	60,000 More Info Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.	$95	1x - 5xPoints More Info Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.	Apply Now Rates & Fees
Southwest Rapid Rewards® Plus Credit Card Apply Now Rates and Fees	50,000Southwest Rapid Rewards Points More Info Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $600 (50,000 Southwest Rapid Rewards Points * 0.012 base)	$99	1x - 2xPoints More Info Earn 2X points on Southwest Airlines® purchases. Earn 2X points at Gas stations and Grocery stores on first $5,000 in combined purchases per year. Earn 1X points on all other purchases.	Apply Now Rates and Fees
Citi Strata Premier® Card Apply Now Rates & Fees	60,000Citi ThankYou® Points More Info Earn 60,000 bonus ThankYou® 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. Dollar Equivalent: $1,080 (60,000 Citi ThankYou® Points * 0.018 base)	$95	1X-10XPoints More Info 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases 3x -- Earn 3 Points per $1 spent on Restaurants 3x -- Earn 3 Points per $1 spent on Supermarkets 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations 1x -- Earn 1 Point per $1 spent on All Other Purchases	Apply Now Rates & Fees

Travel Perks

Winner: Tie

Both cards offer annual travel perks, which is rare for mid-tier cards:

• The Sapphire Preferred offers a $50 Annual Chase Travel Hotel Credit for stays booked through Chase Travel℠.
• The Citi Strata Premier® Card has a higher $100 annual hotel savings benefit valid on bookings of $500 or more. 
• The Sapphire Preferred’s bonus is more versatile because there’s no minimum booking amount. You can use it to knock out the cost of a $50 hotel stay or save on more expensive bookings.

Neither credit card charges foreign transaction fees, so you can use it abroad without incurring extra charges.

Other Perks

Winner: Citi Strata Premier® Card

Both credit cards offer several useful perks for everyday life. For example, Chase Sapphire Preferred cardholders receive a free DoorDash DashPass subscription for at least a year when activated by December 31, 2027.

The Citi Strata Premier® Card offers even more benefits through the Mastercard World Elite program. For example, cardholders get monthly discounts on Peacock subscription plans, $10 off their second Instacart order each month and a $5 Lyft credit after taking three Lyft rides in a month.

Citi clearly comes out ahead in this category, with a broader selection of benefits.

Bottom Line

The Chase Sapphire Preferred and Citi Strata Premier® Card both offer great rewards and recurring perks. So which credit card is best?

• The Chase Sapphire Preferred is best for point redemption value.
• The Citi Strata Premier® Card comes out ahead on non-travel perks.
• The two cards are tied on earn rate and travel perks. 

Deciding on the the best credit card for you comes down to your personal spending habits and travel goals. If your spending habits align closer with Sapphire Preferred’s bonus categories, then go with that card. If you’re a budget traveler, the Sapphire Preferred’s $50 hotel credit might go further than the Citi Strata Premier® Card's $100 credit, which also has a $500 booking minimum.

Regardless of which you choose, you’ll save money on travel and get a few freebies to use in the meantime. But my recommendation? Get both cards and splurge on a truly spectacular business class flight to someplace fabulous. Then evaluate your spending patterns after the first year to determine which to cancel and which to keep.