Head to head
Citi Strata Premier vs Chase Sapphire Preferred
Updated July 2026 · Decided by net annual value (rewards minus the effective fee), not by who pays us.
Citi Strata Premier
$95/yr · $0 after credits
Chase Sapphire Preferred
$95/yr
The verdict
Citi Strata Premier wins 5 of 6 sample spending profiles — by about $83/yr on average where it leads. Chase Sapphire Preferred pulls ahead only for the dining-out foodie profile.
Below: net annual value for each card across six representative spending profiles. Your real numbers will differ — run them here.
Who wins, by how you spend
Net annual value (after the effective fee). The higher number wins each row.
Everyday balanced
A typical mix — some groceries and dining, a little travel, and a big catch-all bucket.
Citi Strata Premier
$817/yr
Chase Sapphire Preferred
$738/yr
Grocery-heavy family
A household cooking mostly at home — supermarkets are the top line.
Citi Strata Premier
$963/yr
Chase Sapphire Preferred
$757/yr
Dining-out foodie
Restaurants and delivery dominate the month.
Citi Strata Premier
$776/yr
Chase Sapphire Preferred
$800/yr
Frequent traveler
Flights, hotels, and rideshare are the biggest category.
Citi Strata Premier
$936/yr
Chase Sapphire Preferred
$860/yr
Heavy commuter
A long daily drive — gas is the standout category.
Citi Strata Premier
$725/yr
Chase Sapphire Preferred
$695/yr
Big spender
High spend across every category.
Citi Strata Premier
$1,679/yr
Chase Sapphire Preferred
$1,655/yr
The fine print, side by side
These are six sample profiles. Yours is one.
Enter your actual monthly spending and we'll rank both of these — and every other card — by what they'd net you.
Run your numbersAdvertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
Figures are estimates from our net-value model on fixed sample profiles, using the point valuations on our methodology page. Rates and fees change — verify on the issuer's site before applying.