BonusCeilingCiti Strata Premier vs Chase Sapphire Preferred: sign-up bonus comparison (Oct 2026)
Citi Strata Premier: 60,000 points after $4,000 spend in 3 months ($95 annual fee). Chase Sapphire Preferred: 75,000 points after $5,000 spend in 3 months ($95 annual fee). Citi Strata Premier needs less spending to earn its bonus. Data checked 2026-10-16; the right pick depends on which rewards you'll use and whether you can meet the spend with normal purchases.
By TK · Updated
| Citi Strata Premier | Chase Sapphire Preferred | |
|---|---|---|
| Issuer | Citi | Chase |
| Type | Personal | Personal |
| Current offer | 60,000 points after $4,000 spend in 3 months | 75,000 points after $5,000 spend in 3 months |
| Minimum spend | $4,000 in 3 months | $5,000 in 3 months |
| Annual fee | $95 | $95 |
| Earns | ThankYou points | Ultimate Rewards points |
| All-time high | 80,000 points after $4,000 in 3 months (Jul 2021-Jan 2022; Jun 2022-Jan 2023) per AwardWallet and BonusEagle; TPG lists 75,000 as the highest it has seen | 100,000 points (Jun 2021; Apr-May 2025; Jun-Jul 2026) |
| vs. record | 75% of record | 75% of record |
| Issuer rules | Citi Strata Premier (formerly 48-month rule) | Chase 5/24, Sapphire bonus eligibility |
| Verified | Yes, 2026-10-16 | Yes, 2026-10-16 |
| Apply | Citi site | Chase site |
Frequently asked questions
Which has the bigger bonus, Citi Strata Premier or Chase Sapphire Preferred?
Citi Strata Premier: 60,000 points after $4,000 spend in 3 months. Chase Sapphire Preferred: 75,000 points after $5,000 spend in 3 months. They earn different currencies (ThankYou points vs Ultimate Rewards points), so compare by how you'd redeem them.
Which bonus is easier to earn?
Citi Strata Premier has the lower spend requirement.
Can I get both?
Possibly, if you meet each issuer's rules: Citi Strata Premier: Citi Strata Premier (formerly 48-month rule); Chase Sapphire Preferred: Chase 5/24, Sapphire bonus eligibility.