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Last updated
Six value dimensions, scored 0–100. The solid bar leads that dimension.
Earning power
Statement credits
Lounge access
Hotel & status
Protections
Low annual fee
| Perk | Sapphire ReserveChase | Citi Strata PremierCiti |
|---|---|---|
| Costs & value | ||
| Annual fee | $795 Verified by source | $95 Verified by source |
| Realized value* | $2,348 | $100 |
| Net / year | +$1,553 | +$5 |
| Value check | Worth knowing | Earns its keep |
| Rewards | points | points |
| Cash advance (ATM) | Either $10 or 5% of each advance, whichever is greater Inferred by source | Either $10 or 5% of each cash advance, whichever is greater Inferred by source |
| LoungesFull breakdown → | ||
| Networks | Priority Pass · 336enroll PP | — |
| Points & MilesFull breakdown → | ||
| Earn rates | 8× Chase Travel (flights, hotels, rentals) Verified by source 4× Flights booked direct Verified by source 4× Hotels booked direct Verified by source 3× Dining worldwide Verified by source 1× Everything else Verified by source | 10× Hotels, cars & attractions via Citi Travel Verified by source 3× Air travel & other hotels Verified by source 3× Restaurants Verified by source 3× Supermarkets Verified by source 3× Gas & EV charging stations Verified by source 1× Everything else Inferred by source |
| Redemption ValueFull breakdown → | ||
| Portal value | 1¢ per pt Verified by source | 1¢ per pt Inferred by source |
| Hotel PerksFull breakdown → | ||
| The Edit (Luxury Hotel & Resort Collection) | Included Verified by source | — |
| IHG One Rewards Platinum Elite | Included Verified by source | — |
| World of Hyatt Explorist | Included Verified by source | — |
| IHG One Rewards Diamond Elite | Included Verified by source | — |
| CreditsFull breakdown → | ||
| Credits | 11 credits · $2,348/yr | 1 credit · $100/yr |
| ProtectionsFull breakdown → | ||
| Rental car CDW | Up to $75,000 (primary) Verified by source | Secondary (MasterRental Coverage) up to actual cash value of rental vehicle; max 31 consecutive days; must decline rental company CDW Inferred by source |
| Trip cancellation | Up to $10,000/person, $20,000/trip Verified by source | Up to $5,000/traveler per trip, max $10,000/account per 12-month period; covers non-refundable costs for injury, death, or sickness Inferred by source |
| Trip delay | Up to $500/traveler Verified by source | Up to $500/traveler for delays exceeding 6 hours; covers meals, lodging, toiletries; max 2 claims per account per 12-month period Inferred by source |
| Baggage | Baggage delay $100/day up to 5 days; lost luggage $3,000/traveler Verified by source | Up to $3,000/trip for lost, stolen, or damaged luggage; max 2 claims per account per 12-month period; NY residents limited to $2,000/bag Inferred by source |
| Purchase protection | Up to $10,000/item against damage or theft for 120 days from purchase (90 days for NY residents) Verified by source | Up to $10,000/incident, $50,000/account/year against damage or theft for 90 days from purchase Inferred by source |
| Extended warranty | Extends manufacturer's US warranty by 1 additional year on eligible warranties of 3 years or less (up to 4 years total from purchase date); up to $10,000/item, $50,000 max per account Verified by source | Adds 24 months to manufacturer's or store warranty (original warranty ≤5 years); max $10,000/item Inferred by source |
| Emergency evacuation | Up to $100,000 Inferred by source | — |
| Roadside assistance | $50/incident, up to 4x/year (US & Canada) Inferred by source | — |
| Travel accident | Up to $1,000,000 accidental death and dismemberment while traveling Verified by source | — |
| Return protection | Up to $500/item within 90 days of purchase if store won't accept return; $1,000 max per 12-month period Verified by source | — |
| Foreign Tx FeesFull breakdown → | ||
| Fee | None Verified by source | None Verified by source |
| Apply & freshness | ||
| Data last verified | Aug 2, 2026 | Jun 17, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
On paper the Chase Sapphire Reserve comes out ahead: by realized value minus the annual fee, the Chase Sapphire Reserve nets +$1,553/yr and the Citi Strata Premier® Card nets +$5/yr. Which is actually better depends on your spending and which perks you'll use.
The Citi Strata Premier® Card has the lower annual fee ($95 vs $795).
The Chase Sapphire Reserve includes lounge access (Sapphire, Priority Pass, Air Canada); the Citi Strata Premier® Card does not.