Chase Sapphire Reserve® vs Citi Strata Premier℠ Card

Option A

Chase · $795/yr

Option B

Citi · $95/yr

Spec	Chase Sapphire	Citi Strata
Annual fee	$795/yr	$95/yr
Welcome bonus	100,000 points bonus	60,000 points bonus
Base rate	1x	1x
Top earn rates	8x Travel booked through Chase Travel (flights, hotels, cars) 5x Eligible Lyft rides (through Sept 30, 2027) 4x Flights and hotels booked directly	10x Hotels, car rentals and attractions booked through Citi Travel 3x Air travel and other hotel purchases 3x Restaurants
Foreign tx fee	None	None
Statement credits	9 credits	1 credits
Rewards	Chase Ultimate Rewards	Citi ThankYou Points