Compare Cards: Citi Strata Elite℠ Card vs. Citi Strata℠ Card vs. Chase Sapphire Reserve®

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Earning Rates	Citi Strata Elite℠ Card Citi premiumtransferable Details	Citi Strata℠ Card Citi no-annual-fee Details	Chase Sapphire Reserve® Chase lounge-accesspremiumtraveldining Details
First-year value Welcome offer + annual credits − annual fee	+$1,500	+$340	+$3,145
Annual Fee	$595	Waived	$795
Credit Required	Good	Good	Excellent
Foreign Fee	Waived	Waived	Waived
Welcome Offer	75,000 pts Earn 75,000 Citi ThankYou bonus points after spending $6,000 in the first 3 months of account opening. Spend $6,000 in 3 mo	20,000 pts Earn 20,000 bonus ThankYou Points after spending $1,000 in first 3 months from account opening Spend $1,000 in 3 mo	100,000 pts Earn 100,000 Ultimate Rewards points after spending $6,000 in purchases in the first 3 months from account opening. Spend $6,000 in 3 mo
Network	visa	mastercard	visa
Earning Rates
Air travel	3×	—	—
All Other Purchases	—	2× After $6,000 cap on combined bonus categories, all purchases earn 1x	—
All other purchases	1×	—	—
Chase Travel / The Edit	—	—	8× All purchases through Chase Travel, including The Edit
Dining	3×	4× On first $6,000 per year, then 1x	3× Worldwide
Flights	—	—	4× Booked direct
Gas Stations	—	4× On first $6,000 per year, then 1x	—
Hotels	3×	—	4× Booked direct
Other	—	—	1×
Supermarkets	—	4× On first $6,000 per year, then 1x	—
Benefits & Credits	Annual Credits Blacklane Credit - Up to $100/half ($200/year cap) statement credit on Blacklane chauffeured rides Hotel Credit - $300 annual hotel credit via Citi Travel Splurge Credit - Up to $200/calendar year statement credit on your choice of up to 2 brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, Live Nation Global Entry / PreCheck Credit - Up to $120 every 4 years for Global Entry or TSA PreCheck	Other Benefits ThankYou Points Combinations: Points combine with Citi Strata Premier and Citi Strata Elite for full redemption flexibility FICO Score Access: Free access to your FICO score	Annual Credits Travel Credit (Chase Travel) - $300 annual travel credit for purchases through Chase Travel The Edit Hotel Credit - Up to $250 per half (2 × $250 = $500/year) on prepaid hotels via The Edit by Chase Travel Exclusive Tables Dining Credit - Up to $150 every six months ($150 H1 / $150 H2) at Sapphire Reserve Exclusive Tables restaurants StubHub / viagogo Credit - Up to $150 in statement credits twice per year ($150 H1 / $150 H2) on StubHub or viagogo event ticket purchases DoorDash Credit - $25/month ($300/year) on DoorDash purchases Lyft Credit - $10/month ($120/year) on Lyft rides Peloton Credit - $10/month ($120/year) on Peloton Lounge Access 0 1 Other Benefits Trip Cancellation/Interruption Insurance: Up to $10,000 per person and $20,000 per trip for covered reasons Emergency Evacuation & Transportation: Up to $100,000 coverage Roadside Assistance: Available 24/7 Travel and Emergency Assistance Services: Referrals and assistance available
Insurance		Secondary Extended Warranty	Trip Cancellation Trip Delay Primary Purchase Protection Extended Warranty