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CardCurator — Rewards Intelligence
Card Comparison

Chase Sapphire Reserve vs Citi Strata Elite

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

Chase Sapphire Reserve card art
Chase Ultimate Rewards
Chase Sapphire Reserve
Chase
More Info
Citi Strata Elite card art
Citi ThankYou Points
Citi Strata Elite
Citi
More Info
Annual Fee
$795/yr
$595/yr
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 6 months
100,000 points
Spend $6,000 in 3 months
Top Earn Rates
  • Chase Travel 8x
  • Lyft 5x
  • Flights (Direct) 4x
  • Hotels (Citi Travel) 12x
  • Car Rentals (Citi Travel) 12x
  • Attractions (Citi Travel) 12x
Reward Type
miles
miles
Key Credits
  • Annual Travel Credit $300
  • The Edit Hotel Credit $250
  • Hotel Benefit $300
  • Splurge Credit $200
  • Blacklane Credit $200
  • +3 more
Card Perks
  • Priority Pass Select
  • Chase Sapphire Lounge by The Club
  • DashPass
  • +3 more
  • Priority Pass Select
  • Hertz Five Star Status
  • 25% Points Bonus on Portal Redemptions
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 vs Citi Strata Elite

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

Chase Sapphire Reserve earns 3x on dining; Citi Strata Elite earns 6x on dining. Citi Strata Elite wins for dining.

Which has the higher signup bonus in 2026?

Chase Sapphire Reserve currently offers 200,000 pts signup bonus (spend $30,000 in 6 months). Citi Strata Elite offers 100,000 pts signup bonus (spend $6,000 in 3 months). Chase Sapphire Reserve 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 and the Citi Strata Elite?

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