Three-way comparisons → Chase Sapphire Preferred vs Capital One Venture Rewards vs Citi Strata Premier® Card
Chase Sapphire Preferred vs Capital One Venture Rewards vs Citi Strata Premier® Card
All three side by side, every category valued in real cents per dollar — the printed rate times our conservative value for the points it pays, which is the same math the Credit Upside engine runs on every charge. Card data verified 2026-09-03.
| Category | Chase Sapphire Preferred | Capital One Venture Rewards | Citi Strata Premier® Card |
|---|---|---|---|
| Dining | 3.8¢/$ (3x) | 2.6¢/$ (2x) | 3.3¢/$ (3x) |
| Groceries | 3.8¢/$ (3x) | 2.6¢/$ (2x) | 3.3¢/$ (3x) |
| Gas | 3.8¢/$ (3x) | 2.6¢/$ (2x) | 3.3¢/$ (3x) |
| Travel | 2.5¢/$ (2x) | 2.6¢/$ (2x) | 1.1¢/$ (1x) |
| Flights | 1.3¢/$ (1x) | 2.6¢/$ (2x) | 3.3¢/$ (3x) |
| Hotels | 1.3¢/$ (1x) | 2.6¢/$ (2x) | 1.1¢/$ (1x) |
| Streaming | 3.8¢/$ (3x) | 2.6¢/$ (2x) | 1.1¢/$ (1x) |
| Transit | 1.3¢/$ (1x) | 2.6¢/$ (2x) | 1.1¢/$ (1x) |
| Online retail | 1.3¢/$ (1x) | 2.6¢/$ (2x) | 1.1¢/$ (1x) |
| Issuer travel portal portal only | 6.3¢/$ (5x) | 6.5¢/$ (5x) | 11.0¢/$ (10x) |
| EV charging | 3.8¢/$ (3x) | 2.6¢/$ (2x) | 1.1¢/$ (1x) |
| Everything else | 1.3¢/$ (1x) | 2.6¢/$ (2x) | 1.1¢/$ (1x) |
| Annual fee | $95 | $95 | $95 |
| Statement credits (max/yr) | $220 | $30 | $130 |
| Foreign transaction fee | None | None | None |
| Rewards currency | Chase Ultimate Rewards | Capital One miles | Citi ThankYou points |
| Signup bonus | 75,000 after $5,000/3mo | 75,000 after $4,000/3mo | 60,000 after $4,000/3mo |
| Offer last confirmed | 2026-09-14 | 2026-09-14 | 2026-09-14 |
No single card runs away with this. Chase Sapphire Preferred and Capital One Venture Rewards tie on everyday categories won (5 of 11 each), and all three cost $95 a year — so the answer is whichever one matches your spending, and what its credits and perks are worth to you.
Cents per dollar = printed earn rate × our conservative point value. A big multiplier in a cheap currency loses to a small one in an expensive currency, which is exactly why we never rank on the raw number. The issuer-travel-portal row is shown for reference but excluded from the verdict — it only pays if you book through that issuer's own site, which is a condition, not a category. The same goes for a rate that only pays at one brand (14x at Hilton, 8x on United fares): it is printed under the card's flat rate, labelled, and never counted. Caps, rotating categories and credits you forget to use change the real answer — the app applies all of them to your actual statement.
Prefer them two at a time?
- Chase Sapphire Preferred vs Capital One Venture Rewards
- Citi Strata Premier® Card vs Chase Sapphire Preferred
Are the fees worth it?
- Is Chase Sapphire Preferred's $95 fee worth it?
- Is Capital One Venture Rewards's $95 fee worth it?
- Is Citi Strata Premier® Card's $95 fee worth it?
If you want out of a fee later
- What does Chase Sapphire Preferred downgrade to?
- What does Capital One Venture Rewards downgrade to?
- What does Citi Strata Premier® Card downgrade to?
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