Sapphire Reserve Business vs Strata Premier
Sapphire Reserve Business
$795/yr
5.5/10
VS
Strata Premier
$95/yr
8.0/10
Quick Answer
Sapphire Reserve Business charges $795/yr with 1X base rewards. Strata Premier charges $95/yr with 1X base rewards. Strata Premier offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Strata Premier
Lower annual fee ($795 vs $95)
Rewards Earning
Strata Premier
6 earning categories
Benefits & Protection
Strata Premier
6 benefits vs 0
Statement Credits
Sapphire Reserve Business
$450 in annual credits
Flexibility
Strata Premier
Transferable points to airline/hotel partners
OUR PICK
Strata Premier wins for most people
The $700 fee difference is hard to justify unless you maximize premium benefits.
Apply for Strata PremierPREMIUM PICK
Sapphire Reserve Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Sapphire Reserve BusinessRewards Earning: Detailed Comparison
Sapphire Reserve Business
| Hotels & car rentals (Chase Travel) | 10.0X |
| Flights (Chase Travel) | 5.0X |
| Dining | 4.0X |
| All other travel | 3.0X |
| 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 Reserve Business (0 benefits)
See full review for benefits details.
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