As much as we love Excellent credit cardsYou may find that you cannot increase its benefits to the maximum or want to maintain low annual fees costs. If so, a Medium -level travel card Ideal to you.
Today, we are looking at the famous travel bonuses card in the middle of the level: Chase Sapphire Preferred® (He sees Prices and fees) And Citi Strata Premier℠ (He sees Prices and fees). Both come with valuable welcoming bonuses, solid gain structures and comprehensive recovery options for a reasonable annual fee of $ 95.
Which is better for your wallet? This guide will help you make this decision.
SAPPHIRE prefer to compare Citi Stata Premier
| Card details | Favorite sapphire chase | City Strata Prime Minister |
|---|---|---|
| Annual fees | 95 dollars | 95 dollars |
| Welcome | Even 100,000 bonus points after spending $ 5,000 on purchases in the first three months of opening the account | Earn 60,000 points of thanks after spending $ 4,000 on purchases in the first three months of opening the account |
| Hippie | 5 points per dollar on the Lyft (until September 2027) and traveling through the TRASE Travel℠
3 points per dollar on eating (including output and delivery), selection of broadcasting, grocery purchases online (except for target clubs, Wal -Mart and sentences) 2 points per dollar on all other travel purchases One point per dollar on all other purchases |
10 points per dollar on hotels, car rental, and attractions that were booked through the City Travel Gate
3 points per dollar on restaurants, supermarkets, gas stations, EV charging stations, air travel and other hotel purchases One point per dollar on all other purchases |
| Other benefits | 25 % recovery bonus when traveling through travel chas
Accredoration of $ 50 to stay at the hotel through a travel chis Promoting 10 % of the anniversary points Free Dashpass for at least one year (when active by December 31, 2027) $ 10 per month towards non -space purchases on Doordash Strong travel protection |
100 dollars off the establishment of one hotel worth $ 500 or more, with the exception of taxes and fees, when they are booked through Cititravel.com (it is available once for each evaluation year)
The benefits of the world from the elite Citi Entertainment Access Extended guarantee Travel protection |
Citi Stata Premier
the Favorite sapphire chase It is currently 100,000 points after spending $ 5,000 on purchases in the first three months of opening the account. According to TPG from April 2025 AssessmentsShow rewards worth $ 2050. After offering the annual fees of $ 95, you will get away with a net value of $ 1955 in the first year. This is linked to the highest offer we have seen on this card for years.
the City Strata Prime MinisterOn the other hand, 60,000 thanks points were offered after spending $ 4,000 on purchases in the first three months after the opening of the account. TPG’s April 2025 Assessments PEG Thankyou indicates 1.8 cents for the piece, making this offer worth $ 1080. After calculating the annual fees amounting to 95 dollars, the value of this first year card is $ 985.
winner: Favorite sapphire chase. The higher welcoming reward and the evaluation of Chase Ultimate rewards gives it the edge.
SAPPHIRE prefers Citi Stata Premier benefits
with Favorite sapphire chaseYou will get these benefits:
- 25 % recovery bonus when traveling via the travel portal
- The annual hotel statement was credited 50 dollars For reserved reservations through travel chas
- Promoting 10 % of the anniversary points
- Free Dashpass membership For at least one year when it is active by December 31, 2027
- A waiver of collision car rental assignment
- Insurance for cancellation and interruption insurance
- Luggage delay protection
- Securing delay in the trip
- Purchase
Credit SAPPHIRIREDERRED credit points promotes annual male points of great value, but the card is the card Travel protection Really make it shine. Knowing that you are covered if something happens on your journey, it will give you peace of mind in addition to the potential cash value, and it is not customary to see this type of coverage on a medium -level card.
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The hotel’s statement of $ 50 also covers more than half of the annual card fees, which effectively reduces this cost to $ 45. You can take advantage of this interest with a quick resort for one night. In addition, if you increase the monthly promotional offer, you can net annual savings of up to $ 120, which compensates for the entire annual fees.
If you choose City Strata Prime MinisterYou will get the following benefits:
- 100 dollars off the accommodation of one hotel worth $ 500 or more through Cititravel.com, available once annually
- Protecting expanded warranty
- Damage and the protection of theft
- A journey delaying protection from cancellation and interruption protection
- Lost or damaged luggage
- Masterrental® (car rental) coverage
- The benefits of the world from the elite
- Access to City entertainment
Although the menu is not wide like THESE Sapphire, Citi Strata Premier has some strong benefits. You will get a hotel credit that deserves a weakness in the favorite Sapphire chase and World MasterCard privileges such as mobile protection and travel protection. In today’s world of prior tickets for concerts, access to Citi Entertainment can help ensure access to you Dream party.
winner: Favorite sapphire chase. It gives it credits and anniversary points, a list of more powerful benefits
Point scores with the preferred Sapphire Citi Stata Premier
with Favorite sapphire chaseYou will earn 5 points per dollar for the traveling travel through Travel Gate Chies5 points per dollar on Lyft purchases until September 2027, and 3 points per dollar on Eatingand Select broadcasting servicesAnd buy grocery online (except for the goal, Wal -Mart and wholesale clubs). You will also earn two points per dollar on Travel Purchases and one point per dollar on all other purchases.
with City Strata Prime MinisterIt will win 10 points per dollar on hotels, car rental, and attractions that have been booked through City Travel Gate3 points per dollar on air travel, dining, supermarkets, other hotels, buy EV charging, fuel station, and one point per dollar on all other purchases.
While both cards earn bonuses in food and travel purchases, Citi Stata Premier also earns additional points in the purchases of supermarkets and fuel stations, which means that you are likely to be able to raise points more quickly with the preferred Chis Safir.
winner: City Strata Prime Minister. A wider set of bonuses earns gives you more gain opportunities.
Recovery points with the favorite sapphire chas against Citi Strata Premier
the Favorite sapphire chase It gives you the option to recover your travel points by transferring them to any of 11 Chis airlines and three hotel partners Or by reserving through the Those Travel at a rate of 1.25 cents per point.
You can also recover your gift cards or use Chis feature on your own again To recover them for a cash return. However, the most valuable recovery option is to transfer your points to Chis partners, which we will review in the next section.
with City Strata Prime MinisterYou can recover your travel points by transferring them to any of Citi’s 21 Hotel and Airline Partners Or reservation through the Gateou Travel gate at a rate of 1 percent for each point. In addition, you can recover them for gift cards or a 1 % statement of a statement for each point.
You can also use City store with points Option and use your payment points directly when going out in traders like Amazon and Wal Mart. However, you will get less than one cent per point in this way, so it is better to use your credit points a statement to cover your purchases after conducting them.
winner: Rabbah. Both cards allow you to transfer your rewards to travel or reservation partners through their travel portal or recover your points to get gift cards and gift cards.
Transfer points with the preferred Sapphire Citi Strata Premier
with Favorite sapphire chaseYou will win Ultimate Bonuses Points that you can transfer in a ratio of 1: 1 to 14 airline and hotel partners, including Singaporean Airlines Krisflyerand UNIGEPLUSand Virgin Atlantic Aviation Club and Life.
You can get an incredible value from options such as moving your points to Iberia Plus and reservation Miami to Madrid for up to 21250 points in each direction Or transfer your points to UNIGEPLUS And benefit from Trip.
with City Strata Prime MinisterYou will win City thanks It indicates the transfer to 21 travel partners, including Jetblue Trueblueand Turkish Airlines miles and smiles and Choice privileges.
TPG credit card writer Daniel Ahmed It loves to use the Citi Strata Premier card to transfer points to partners like Miles Cathy Pacific Asia. He recently transferred 25,000 points to Cathy Pacific to travel between Beijing and Hong Kong in business degree.
winner: Rabbah. Both cards allow you to transfer your points to valuable transportation partners.
Should I get the favorite sapphire chis or City Strata Prime Minister?
both of them Favorite sapphire chase and City Strata Prime Minister Provide valuable welcoming bonuses and strong earning rates on travel and dining purchases for the same annual fees of $ 95. Ultimately, the card that is best for you will come to you will come to the card transfer you use more than others.
For example, if you fly frequently Southern West Airways And stay in life Real estate, it will make sense to win the final bonuses of Cis and transfer your points to these programs.
Of course, for the utmost diversity, you may decide that you want to get it Both cards. If you go to this way, make sure that you will be able to earn valuable welcome bonuses for both.
The bottom line
the City Strata Prime Minister and Favorite sapphire chase They are two leaders when it comes to the reasonable medium cards that you gain Valuable convertible points. Each card wins in different categories in our analysis, so your best card depends on the benefits and redemption options that you appreciate more. Regardless of the way you go, you can feel comfortable knowing that you add a great medium -class card to your wallet.
For more details, see us Full review of the favorite sapphire hammers and Premier Citi Strata.
Apply here: Favorite sapphire chase
Apply here: City Strata Prime Minister