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CardCurator — Rewards Intelligence
Card Comparison

Chase Sapphire Reserve Business vs Citi Strata Premier

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Chase Sapphire Reserve Business card art
Chase Ultimate Rewards
Chase Sapphire Reserve Business
Chase
More Info
Citi Strata Premier card art
Citi ThankYou Points
Citi Strata Premier
Citi
More Info
Annual Fee
$795/yr
$95/yr
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 6 months
60,000 points
Spend $4,000 in 3 months
Top Earn Rates
  • Chase Travel (including The Edit) 8x
  • Lyft rides 5x
  • flights & hotels booked direct 4x
  • Hotels (Citi Travel) 10x
  • Car Rentals (Citi Travel) 10x
  • Attractions (Citi Travel) 10x
Reward Type
miles
miles
Key Credits
  • Annual Travel Credit $300
  • Stays with the Edit $250
  • Priority Pass Select Membership $429
  • +1 more
  • Hotel Benefit $100
Card Perks
  • Chase Sapphire Lounge (~$200/yr)
None listed
Transfer Partners
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
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Common Questions: Chase Sapphire Reserve Business vs Citi Strata Premier

Is the Chase Sapphire Reserve Business or Citi Strata Premier better for dining?

Chase Sapphire Reserve Business has no dining bonus; Citi Strata Premier earns 3x on dining.

Which has the higher signup bonus in 2026?

Chase Sapphire Reserve Business currently offers 200,000 pts signup bonus (spend $30,000 in 6 months). Citi Strata Premier offers 60,000 pts signup bonus (spend $4,000 in 3 months). Chase Sapphire Reserve Business has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Chase Sapphire Reserve Business and the Citi Strata Premier?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Sapphire Reserve Business is from Chase and Citi Strata Premier is from Citi, so they're governed by separate bank policies.