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All comparisons
Head-to-head, 2026

Chase Disney Inspire Visa Citi Strata Premier

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Citi Strata Premier

Chase

Disney Inspire Visa

Annual fee
$149
Network
visa
Welcome value
—
Min spend
—

Top earning rates

  • 5×Streaming Services · Disney Rewards Dollars
  • 2×Gas Stations · Disney Rewards Dollars
  • 2×Grocery Stores · Disney Rewards Dollars
  • 2×Restaurants · Disney Rewards Dollars

Key benefits

  • 200 Disney Rewards Dollars on resort and cruise spend (Spend Tier) · $200
  • U.S. Disney Theme Park ticket credit (Spend Tier) · $100
  • Disney streaming statement credit · $10
  • Purchase protection · $0
  • No foreign transaction fees · $0
Full Chase Disney Inspire Visa review

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Car rentals · Citi ThankYou Rewards
  • 10×Attractions · Citi ThankYou Rewards
  • 10×Hotels · Citi ThankYou Rewards
  • 3×Hotels · Citi ThankYou Rewards

Key benefits

  • $100 Annual Hotel Benefit · $100
  • Trip Delay Protection · $0
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
  • The Reserve by Citi Travel Hotel Benefits · $0
Full Citi Strata Premier review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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