Skip to content
Credit Card Coups
COMPARE/SAPPHIRE PREFERRED VS CITI STRATA ELITE
FIRST CARD
SECOND CARD

Chase Sapphire Preferred or Citi Strata Elite?

Chase Sapphire Preferred returns $455 over its fee and Citi Strata Elite returns $135, so the fee difference comes down to which categories you use.

Chase Sapphire Preferred
Chase Sapphire PreferredChase · $95 fee · 5 credits
Citi Strata Elite
Citi Strata EliteCiti · $595 fee · 4 credits
NET VALUE+$455$550 credits
NET VALUE+$135$730 credits
BEST NET VALUE
Chase Sapphire Preferred
CHASEChase Sapphire Preferred
FEE$95
CREDITS$550
NET+$455
Category wins1 of 4
Citi Strata Elite
CITICiti Strata Elite
FEE$595
CREDITS$730
NET+$135
Category wins3 of 4
ADDITIONAL BENEFITS
LOUNGE ACCESS
Admirals Club Day Passes
TAKE THE SAPPHIRE PREFERRED IF

You use food & dining. Food & Dining alone is worth $240 here and nothing on the Citi Strata Elite.

TAKE THE CITI STRATA ELITE IF

You use travel, entertainment & media, transportation. Transportation alone is worth $200 here and nothing on the Sapphire Preferred.

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
Start tracking free

Frequently asked questions

Which is better, Chase Sapphire Preferred or Citi Strata Elite?

The Chase Sapphire Preferred is better with $455 net annual value compared to the Citi Strata Elite at $135. The Chase Sapphire Preferred wins by $320/year.

What's the difference between Chase Sapphire Preferred and Citi Strata Elite?

The key differences: Citi Strata Elite has a $595 annual fee and $730 in annual benefits, while Chase Sapphire Preferred has a $95 annual fee and $550 in annual benefits. The annual fee difference is $500.

Which has a lower annual fee, Chase Sapphire Preferred or Citi Strata Elite?

The Chase Sapphire Preferred has a lower annual fee at $95 compared to the Citi Strata Elite at $595. However, the Citi Strata Elite offers $730 in total annual benefits.

Is the Chase Sapphire Preferred worth it compared to the Citi Strata Elite?

Yes, the Chase Sapphire Preferred offers better value with $455 net annual value compared to $135 for the Citi Strata Elite. It also has a lower annual fee.

Chase vs Citi: which issuer is better?

For these specific cards, Chase's Chase Sapphire Preferred offers better value with $455 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for travel?

The Citi Strata Elite is better for travel with $500 in annual travel benefits compared to $100 for the Chase Sapphire Preferred.

Should I get the Chase Sapphire Preferred?

If you're deciding between the Chase Sapphire Preferred and Citi Strata Elite, the Chase Sapphire Preferred is the better choice with $455 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.

Other comparisons

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Platinum+$2,109
VS
Capital One Venture X-$65
See the breakdown →
Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
See the breakdown →
American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
See the breakdown →
American Express Gold+$99
VS
American Express Platinum+$2,109
See the breakdown →

MORE SAPPHIRE PREFERRED COMPARISONS

MORE CITI STRATA ELITE COMPARISONS