Citi Strata Premier vs Chase Sapphire Preferred
Citi Strata Premier earns more on groceries, airfare and hotels; Chase Sapphire Preferred earns more on streaming, travel, transit and 6 more categories.
- Updated October 16, 2026
- 12 categories compared
- No sponsored picks
Which one suits you
-
Pick it if
Most of your spending is on groceries, airfare and hotels.
-
Pick it if
Most of your spending is on streaming, travel, transit and 6 more categories.
Both cost $95 a year, so the fee doesn't decide it.
Rates change, so verify them with the issuer before you apply.
Category by category
What each card earns on a $100 purchase, with points at typical values and every bonus cap unused.
| Category | Citi Strata Premier | Chase Sapphire Preferred | Earns more |
|---|---|---|---|
| Dining | $4.20 4.2% | $4.50 4.5% | Chase Sapphire Preferred (+$0.30) |
| Groceries | $4.20 4.2% | $1.50 1.5% | Citi Strata Premier (+$2.70) |
| Gas | $4.20 4.2% | $4.50 4.5% | Chase Sapphire Preferred (+$0.30) |
| Travel | $1.40 1.4% | $3.00 3% | Chase Sapphire Preferred (+$1.60) |
| Airfare | $4.20 4.2% | $3.00 3% | Citi Strata Premier (+$1.20) |
| Hotels | $4.20 4.2% | $3.00 3% | Citi Strata Premier (+$1.20) |
| Transit | $1.40 1.4% | $3.00 3% | Chase Sapphire Preferred (+$1.60) |
| Streaming | $1.40 1.4% | $4.50 4.5% | Chase Sapphire Preferred (+$3.10) |
| Drugstores | $1.40 1.4% | $1.50 1.5% | Chase Sapphire Preferred (+$0.10) |
| Online shopping | $1.40 1.4% | $1.50 1.5% | Chase Sapphire Preferred (+$0.10) |
| Wholesale clubs | $1.40 1.4% | $1.50 1.5% | Chase Sapphire Preferred (+$0.10) |
| Everything else | $1.40 1.4% | $1.50 1.5% | Chase Sapphire Preferred (+$0.10) |
| Annual fee | $95 | $95 |