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All comparisons
Head-to-head, 2026

Chase Disney Premier 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 PremierBigger welcome offer: Citi Strata Premier

Chase

Disney Premier

Annual fee
$49
Network
visa
Welcome value
$400
Min spend
$1,000 / 3mo

Top earning rates

  • 5×Disney streaming services · Disney Rewards Dollars
  • 2×Gas stations · Disney Rewards Dollars
  • 2×Grocery stores · Disney Rewards Dollars
  • 2×Restaurants · Disney Rewards Dollars

Key benefits

  • DoorDash nonrestaurant quarterly discount · $10
  • 10% off select recreation experiences · $0
  • 10% off select Disney dining · $0
  • Marvel Unlimited first-year savings · $0
  • 6-month Disney vacation financing · $0
Full Chase Disney Premier 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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