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Head-to-head, 2026

Chase Sapphire Reserve Citi Strata Elite

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

Lower annual fee: Citi Strata Elite

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Eligible Peloton equipment and accessory purchases over $150
  • 8×Chase Travel purchases
  • 5×Lyft rides
  • 4×Flights and hotels booked direct

Key benefits

  • Common Carrier Travel Accident Insurance · $1000000
  • 24-Hour Travel Accident Insurance · $100000
  • Emergency Evacuation and Transportation · $100000
  • Auto Rental Collision Damage Waiver · $75000
  • Trip Cancellation and Interruption Insurance · $10000
Full Chase Sapphire Reserve review

Citi

Strata Elite

Annual fee
$145
Network
mastercard
Welcome value
—
Min spend
$6,000 / 3mo

Top earning rates

  • 12×Hotels, Car Rentals, and Attractions · ThankYou® Rewards
  • 6×Air Travel · ThankYou® Rewards
  • 6×Restaurants on Citi Nights® purchases · ThankYou® Rewards
  • 3×Restaurants any other time · ThankYou® Rewards

Key benefits

  • $200 Annual Splurge Credit · $200
  • Citigold Relationship Credit · $145
  • Global Entry or TSA PreCheck Credit · $120
  • $200 Annual Blacklane Credit · $100
  • Priority Pass Select Membership · $0
Full Citi Strata Elite 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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