Sapphire Preferred vs Strata Premier
Sapphire Preferred
$95/yr
8.0/10
VS
Strata Premier
$95/yr
8.0/10
Quick Answer
Sapphire Preferred charges $95/yr with 1X base rewards. Strata Premier charges $95/yr with 1X base rewards. Sapphire Preferred offers a slight edge depending on your spending when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Sapphire Preferred
Lower annual fee ($95 vs $95)
Rewards Earning
Sapphire Preferred
6 earning categories
Benefits & Protection
Sapphire Preferred
6 benefits vs 6
Statement Credits
Sapphire Preferred
$170 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Sapphire Preferred edges ahead
Better rewards and benefits at the same fee level.
Apply for Sapphire PreferredPREMIUM PICK
Strata Premier is a strong alternative
Competitive features make it worth considering.
Apply for Strata PremierRewards Earning: Detailed Comparison
Sapphire Preferred
| Travel via Chase Portal | 5.0X |
| Dining | 3.0X |
| Online Grocery | 3.0X |
| Streaming | 3.0X |
| Other Travel | 2.0X |
| Everything Else | 1.0X |
Strata Premier
| Hotels/car rentals via Citi Travel | 10.0X |
| Dining | 3.0X |
| Supermarkets | 3.0X |
| Gas stations | 3.0X |
| Air travel | 3.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Sapphire Preferred (6 benefits)
- Trip Cancellation Insurance (up to $10,000)
- Trip Delay Reimbursement (up to $500)
- Baggage Delay Insurance (up to $100)
- Rental Car Collision Damage Waiver
- Purchase Protection (up to $500)
- Extended Warranty Protection (up to $10,000)
Strata Premier (6 benefits)
- Trip Cancellation and Interruption Protection (up to $1,500)
- Trip Delay Protection (up to $500)
- Baggage Delay Protection (up to $100)
- Car Rental Collision Damage Waiver
- Citi Purchase Protection (up to $10,000)
- Extended Warranty