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COMPARE/SAPPHIRE RESERVE VS CITI STRATA ELITE
FIRST CARD
SECOND CARD

Chase Sapphire Reserve or Citi Strata Elite?

Chase Sapphire Reserve returns $2,348 over its fee and Citi Strata Elite returns $135, so the fee difference comes down to which categories you use.

Chase Sapphire Reserve
Chase Sapphire ReserveChase · $795 fee · 13 credits
Citi Strata Elite
Citi Strata EliteCiti · $595 fee · 4 credits
NET VALUE+$2,348$3,143 credits
NET VALUE+$135$730 credits
BEST NET VALUE
Chase Sapphire Reserve
CHASEChase Sapphire Reserve
FEE$795
CREDITS$3,143
NET+$2,348
Category wins4 of 5
ADDITIONAL BENEFITS
LOUNGE ACCESS
Air Canada Lounge Access
Chase Sapphire Lounge Access
Priority Pass Select (No Restaurants)
Citi Strata Elite
CITICiti Strata Elite
FEE$595
CREDITS$730
NET+$135
Category wins1 of 5
ADDITIONAL BENEFITS
LOUNGE ACCESS
Admirals Club Day Passes
TAKE THE SAPPHIRE RESERVE IF

You use travel, food & dining, entertainment & media, or any of its 4 winning categories. Food & Dining and Lifestyle alone are worth $1,319 here and nothing on the Citi Strata Elite.

TAKE THE CITI STRATA ELITE IF

You use transportation.

Where to use each card

SAPPHIRE RESERVE
🍽️
Chase Exclusive Tables Restaurants413 LOCATIONS
Browse →
🛫
Airport Lounges48 LOCATIONS
Browse →
CITI STRATA ELITE

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Frequently asked questions

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

The Chase Sapphire Reserve is better with $2,348 net annual value compared to the Citi Strata Elite at $135. The Chase Sapphire Reserve wins by $2,213/year.

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

The key differences: Chase Sapphire Reserve has a $795 annual fee and $3,143 in annual benefits, while Citi Strata Elite has a $595 annual fee and $730 in annual benefits. The annual fee difference is $200.

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

The Citi Strata Elite has a lower annual fee at $595 compared to the Chase Sapphire Reserve at $795. However, the Chase Sapphire Reserve offers $3,143 in total annual benefits.

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

Yes, the Chase Sapphire Reserve offers better value with $2,348 net annual value compared to $135 for the Citi Strata Elite. Even though it has a higher annual fee ($795 vs $595), the Chase Sapphire Reserve provides more total benefits.

Chase vs Citi: which issuer is better?

For these specific cards, Chase's Chase Sapphire Reserve offers better value with $2,348 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for food_and_dining?

The Chase Sapphire Reserve is better for food_and_dining with $840 in annual food_and_dining benefits compared to $0 for the Citi Strata Elite.

Should I get the Chase Sapphire Reserve?

If you're deciding between the Chase Sapphire Reserve and Citi Strata Elite, the Chase Sapphire Reserve is the better choice with $2,348 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 RESERVE COMPARISONS

MORE CITI STRATA ELITE COMPARISONS