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All comparisons
Head-to-head, 2026

Chase Sapphire Reserve for Business 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

Sapphire Reserve for Business

Annual fee
$795
Network
visa
Welcome value
~$2,000
Min spend
$30,000 / 6mo

Top earning rates

  • 8×Purchases made using your card through Chase Travel
  • 5×Qualifying Lyft products and services purchased through the Lyft mobile application
  • 4×Flights and hotels booked direct
  • 3×Social media and search engine advertising

Key benefits

  • The Edit on-property benefits · $550
  • $500 The Edit hotel credit · $500
  • $500 The Shops at Chase credit (Spend Tier) · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $300 annual travel credit · $300
Full Chase Sapphire Reserve for Business review

Citi

Strata Premier

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

Top earning rates

  • 3×Air travel and other hotel purchases · ThankYou Points
  • 3×Restaurants · ThankYou Points
  • 3×Supermarkets · ThankYou Points
  • 3×Gas and EV charging stations · ThankYou Points

Key benefits

  • $100 Annual Hotel Benefit · $100
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
  • The Reserve by Citi Travel Hotel Benefits · $0
  • Trip Cancellation and Interruption Insurance · $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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