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COMPARE/UNITED QUEST VS CITI STRATA ELITE
FIRST CARD
SECOND CARD

Chase United Quest or Citi Strata Elite?

Chase United Quest returns $456 over its fee and Citi Strata Elite returns $135, so the fee difference comes down to which categories you use.

Chase United Quest
Chase United QuestChase · $350 fee · 6 credits
Citi Strata Elite
Citi Strata EliteCiti · $595 fee · 4 credits
NET VALUE+$456$806 credits
NET VALUE+$135$730 credits
BEST NET VALUE
Chase United Quest
CHASEChase United Quest
FEE$350
CREDITS$806
NET+$456
Category wins1 of 4
Citi Strata Elite
CITICiti Strata Elite
FEE$595
CREDITS$730
NET+$135
Category wins2 of 4
ADDITIONAL BENEFITS
LOUNGE ACCESS
Admirals Club Day Passes
TAKE THE UNITED QUEST IF

You use food & dining. Food & Dining alone is worth $180 here and nothing on the Citi Strata Elite.

TAKE THE CITI STRATA ELITE IF

You use transportation, entertainment & media. Entertainment & Media alone is worth $200 here and nothing on the United Quest.

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Frequently asked questions

Which is better, Chase United Quest or Citi Strata Elite?

The Chase United Quest is better with $456 net annual value compared to the Citi Strata Elite at $135. The Chase United Quest wins by $321/year.

What's the difference between Chase United Quest and Citi Strata Elite?

The key differences: Citi Strata Elite has a $595 annual fee and $806 in annual benefits, while Chase United Quest has a $350 annual fee and $730 in annual benefits. The annual fee difference is $245.

Which has a lower annual fee, Chase United Quest or Citi Strata Elite?

The Chase United Quest has a lower annual fee at $350 compared to the Citi Strata Elite at $595. However, the Citi Strata Elite offers $730 in total annual benefits.

Is the Chase United Quest worth it compared to the Citi Strata Elite?

Yes, the Chase United Quest offers better value with $456 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 United Quest offers better value with $456 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for entertainment_and_media?

The Citi Strata Elite is better for entertainment_and_media with $200 in annual entertainment_and_media benefits compared to $0 for the Chase United Quest.

Should I get the Chase United Quest?

If you're deciding between the Chase United Quest and Citi Strata Elite, the Chase United Quest is the better choice with $456 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
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American Express Platinum+$2,109
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Capital One Venture X-$65
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Capital One Venture X-$65
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Chase Sapphire Reserve+$2,348
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American Express Business Platinum+$1,284
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Chase Sapphire Reserve for Business+$1,155
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American Express Delta SkyMiles Reserve-$60
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Chase United Quest+$456
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American Express Gold+$99
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American Express Platinum+$2,109
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