Chase Sapphire Reserve® vs Citi Strata Elite℠ Card

Chase Sapphire Reserve®Chase Sapphire Reserve®

Chase

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Citi Strata Elite℠ CardCiti Strata Elite℠ Card

Citi

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Annual Fee
$795
$595
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
ThankYou Points
Point Value
2.00¢/pt
1.90¢/pt
Base Earn Rate
1x
1.5x
Welcome Bonus
100,000 Chase Ultimate Rewards after $6,000 in 3 months
75,000 ThankYou Points after $6,000 in 90 days

Effective return by category

CategoryChase Sapphire Reserve®Citi Strata Elite℠ Card
Card Travel Portals16.00%
8x
22.80%
12x
Airfare8.00%
4x
2.85%
1.5x
Hotels & Lodging8.00%
4x
2.85%
1.5x
Dining & Restaurants6.00%
3x
5.70%
3x
Everything else2.00%
1x
2.85%
1.5x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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