Citi Strata Premier vs Chase Sapphire Preferred: which fits your plan?
By ApplyOrWait. Compiled from issuer terms and our audited issuer-rule list. Offers checked ; issuer rules verified . Terms apply.
Chase Sapphire Preferred has higher estimated first-year value after fees ($928) than Citi Strata Premier ($740), using travel redemption. Citi Strata Premier and Chase Sapphire Preferred have the same annual fee of $95. Applicants report Chase usually declines people who opened 5 or more new card accounts in the past 24 months, so if keeping Chase access matters, apply for Chase Sapphire Preferred before Citi Strata Premier; approval remains the issuer's decision.
We compare conditional value after fees; compensation never changes rankings.
How we rank| Feature | Citi Strata Premier | Chase Sapphire Preferred |
|---|---|---|
| Issuer | Citi | Chase |
| Annual fee | $95 | $95 |
| Welcome offer, terms apply | 60,000 ThankYou points | 75,000 Ultimate Rewards points |
| Required spend | $4,000 in 3 months | $5,000 in 3 months |
| First-year value after fees, estimated (travel) | $740 | $928 |
| Offer last checked | 2026-10-06 | 2026-10-06 |
Can you get both Citi Strata Premier and Chase Sapphire Preferred, and in what order?
Application windows and account limits
Citi Strata Premier: Applicants report 8-day spacing and no more than 2 Citi applications in 65 days. This is unpublished and exceptions occur.
Chase Sapphire Preferred: Chase usually declines most applications at 5/24 or higher, based on applicant reports. Approval is never guaranteed. Your estimated 5/24 count changes as older accounts age out. Exact eligibility timing depends on reported opening dates.
Chase Sapphire Preferred: Applicants report Chase pacing of roughly two cards in 30 days, usually one business card. Additional applications may be declined. Many applicants space Chase applications about 90 days apart to reduce review risk; this is community guidance.
Welcome offers and prior-card history
Chase's terms say the Chase Sapphire Preferred welcome offer may be unavailable if you have or had the card or received its welcome bonus before, and you cannot open the card while you hold it.
Citi's terms say the Citi Strata Premier welcome offer is unavailable if you have or had the card.
Effect on Chase 5/24
Citi Strata Premier is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase Sapphire Preferred is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Application order
Applicants report Chase usually declines people who opened 5 or more new card accounts in the past 24 months, so if keeping Chase access matters, apply for Chase Sapphire Preferred before Citi Strata Premier; approval remains the issuer's decision.
Citi Strata Premier and Chase Sapphire Preferred: current offers
Citi Strata Premier
Welcome offer: 60,000 ThankYou points. Annual fee: $95. Terms apply.
First-year value after fees (travel redemption), estimated: $740.
Last checked: .
Chase Sapphire Preferred
Welcome offer: 75,000 Ultimate Rewards points. Annual fee: $95. Terms apply.
First-year value after fees (travel redemption), estimated: $928.
Last checked: .
Can I get both the Citi Strata Premier and the Chase Sapphire Preferred welcome offers?
Citi Strata Premier and Chase Sapphire Preferred have product-specific welcome-offer checks for previous cards or bonuses. Passing an application timing check does not establish welcome-offer eligibility.
Which should come first: Citi Strata Premier or Chase Sapphire Preferred?
Check Chase Sapphire Preferred while you still have room under Chase's reported 5/24 limit. Opening another personal card first can use that room.
How would Citi Strata Premier and Chase Sapphire Preferred affect my Chase count?
Opening Citi Strata Premier or Chase Sapphire Preferred increases the personal-account count used for Chase's reported 5/24 rule for 24 months. Closing a recent account does not remove that account from the count.