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Choose up to three cards to see fees, APRs, offers and rewards side by side. Every figure comes from the issuer’s own page and is dated.

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	Citi Strata Premier® Card	American Express® Gold Card	Chase Sapphire Preferred® Credit Card
Issuer	Citi	American Express	Chase
Annual fee	$95 annual fee	$325 for the basic card; the first 5 additional cards $0, the 6th and later $35 each	$95 annual fee
Purchase APR	20.24% – 28.24% variable, based on creditworthiness	See issuer	19.24% – 27.49% variable
Intro APR offer	None listed on the issuer page	None listed on the issuer page	None listed on the issuer page
Balance transfer fee	See issuer	See issuer	See issuer
Foreign transaction fee	None	None	None
Sign-up offer	See issuer	Amex advertises a welcome offer of “as high as” 100,000 Membership Rewards points after $8,000 in purchases in the first 6 months; offers vary and you may not be eligible	75,000 points after you spend $5,000 in purchases in the first 3 months from account opening
Rewards	10 points per $1 — Hotels, car rentals and attractions booked on cititravel.com 3 points per $1 — Air travel and other hotel purchases 3 points per $1 — Restaurants 3 points per $1 — Supermarkets 3 points per $1 — Gas and EV charging stations 1 point per $1 — Everything else	4X points — Restaurants worldwide (up to $50K per calendar year) 4X points — U.S. supermarkets (up to $25K per calendar year) 5X points — Prepaid hotels via AmexTravel.com or Amex Travel app 3X points — Flights via AmexTravel.com/app or directly with airlines 2X points — Prepaid car rentals via Amex Travel, and cruises 1X point — Everything else	5x points — Chase Travel 3x points — Dining 3x points — Gas stations, EV charging and vacation homes at top brands 3x points — Top streaming services and online grocery 2x points — All other travel 1x point — Everything else
Key benefits	$100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through cititravel.com — once per calendar year, applied at booking	$120 Dining Credit ($10 monthly at select restaurants) $120 Uber Cash ($10 monthly) $100 Resy credit (up to $50 Jan–Jun and $50 Jul–Dec) $84 Dunkin’ credit ($7 monthly) Enrollment is required for some credits; see issuer terms	$100 Chase Travel hotel credit each year Global Entry, TSA PreCheck or NEXUS application-fee credit (up to $120 every four years) 12 months of complimentary DashPass and Apple TV (values stated by issuer) Trip cancellation/interruption insurance up to $10,000 per traveler; auto rental coverage up to $60,000
Checked	September 30, 2026 Issuer page	September 30, 2026 Issuer page	September 30, 2026 Issuer page

Data is read from each issuer’s page on the date shown; offers change often and the issuer’s terms control. “See issuer” means the figure was not shown on the page we read. Cards are shown in the order you chose, not ranked.