Citi Strata Premier vs Chase Sapphire Preferred
Chase Sapphire Preferred edges Citi Strata Premier on year-1 math ($1,300 more value at 1.8¢/pt).
Quick verdict
Chase Sapphire Preferred edges Citi Strata Premier on year-1 math ($1,300 more value at 1.8¢/pt)
Citi Strata Premier: $100 recurring credits + $0 welcome bonus − $95 AF = $5 net. Chase Sapphire Preferred: $50 recurring credits + $1,350 welcome bonus − $95 AF = $1,305 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Citi Strata Premier | Chase Sapphire Preferred | |
|---|---|---|
| Annual fee | $95 | $95 |
| Welcome bonus | — | 75,000 pts after $5,000 in 3mo |
| Welcome bonus value @ 1.8¢ | — | $1,350 |
| Free-night cert | — | — |
| Recurring credits / year | $100 | $50 |
| Year-1 net @ 1.8¢ | $5 | $1,305 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Citi Strata Premier
1 recurring credit
- Annual Hotel Savings Benefit$100 · Annual
Chase Sapphire Preferred
2 recurring credits
- Hotel Credit$50 · Annual
- Anniversary Points (10% boost on prev-year spend)$0 · Annual
Pick Citi Strata Premier if
you prefer the Citi ThankYou ecosystem (Citi ThankYou portal, Citi ThankYou transfer partners, Citi ThankYou elite status path).
Pick Chase Sapphire Preferred if
the welcome bonus pays more at 1.8¢/pt ($1,350 vs $0).