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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: Chase Disney 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×streaming · Disney Rewards
  • 2×gas · Disney Rewards
  • 2×groceries · Disney Rewards
  • 2×dining · Disney Rewards

Key benefits

  • 1% Disney Rewards Dollars on All Other Purchases · $120
  • 2% Disney Rewards Dollars on Groceries · $120
  • Exclusive Disney Character Experiences · $100
  • 2% Disney Rewards Dollars on Dining · $72
  • Airline Statement Credit Redemption · $50
Full Chase Disney Premier review

Citi

Strata Premier

Annual fee
$95
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×car rentals · Citi ThankYou Points
  • 10×attractions · Citi ThankYou Points
  • 10×hotels · Citi ThankYou Points
  • 3×hotels · Citi ThankYou Points

Key benefits

  • Points Transfer to Partners · $150
  • $200 Annual Hotel Benefit · $100
  • Travel Protection Benefits · $50
  • No Foreign Transaction Fees · $30
  • Citi Entertainment® · $20
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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