Chase Sapphire Reserve vs. Citi Strata Premier Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Chase Sapphire Reserve
Chase
Citi Strata Premier Card
Citi
Chase Sapphire Reserve and Citi Strata Premier Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Chase Sapphire Reserve wins on first-year math and lounge access; Citi Strata Premier Card wins on annual fee and earning ceiling.
Pick the Chase Sapphire Reserve if year-one math is your priority; take the Citi Strata Premier Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Chase Sapphire Reserve
Chase Sapphire Reserve wins on bonus value minus annual fee.
- Annual fee Citi Strata Premier Card
Citi Strata Premier Card is $700 cheaper to keep.
- Earning ceiling Citi Strata Premier Card
Citi Strata Premier Card earns more on its best category (10× vs 8×).
- Lounge access Chase Sapphire Reserve
Chase Sapphire Reserve includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $795
- $95
- Welcome offer (typical value)
- $2,550
- $900
- First-year net
- +$1,755
- +$805
- Peak earning rate
- 8×
- 10×
- Top categories
- Chase Travel, Flights Direct, Hotels Direct
- Travel, Travel, Dining
- Lounge access
- chase-sapphire-lounge, priority-pass
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Chase Ultimate Rewards
- Citi ThankYou Points
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.