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Side-by-side

Chase Ink Business Cash vs Citi Strata Premier Card

Both are well-respected travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the Citi Strata Premier Card from Citi at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Ink Business Cash is the stronger pick today, the sign-up bonus is meaningfully larger ($1,000 more in estimated value) than the Citi Strata Premier Card's. Get the Chase Ink Business Cash first; revisit the Citi Strata Premier Card after you've earned that bonus.

FeatureChase Ink Business CashCiti Strata Premier Card
Annual fee$0$95
Sign-up bonus$1,000 bonus cash backNot advertised
Bonus value (est.)$1,000-
Min spend to unlock bonus$8,000 in 4 mo-
IssuerChaseCiti
Card categorybusinesstravel
Best earning category (Office)5x1x
Transfer partnerschase-urciti-ty
Headline benefits
  • 5% office + internet/phone
  • $1,000 SUB ($8k spend in 4 months)
  • No annual fee
  • Converts to UR points
  • 10x CitiTravel.com hotels/cars/attractions
  • 3x on restaurants, groceries, flights, hotels, gas, EV
  • $100 hotel savings benefit
  • No foreign transaction fees
Read the full review
Chase Ink Business Cash
$0/yr · $1,000 bonus cash back
Read the full review
Citi Strata Premier Card
$95/yr ·

Editorial take: Chase Ink Business Cash

Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: Current public offer is $1,000 cash back after $8,000 spend in 4 months, which Chase presents as its best offer ever (issuer-verified 2026-07-16).

Editorial take: Citi Strata Premier Card

A strong mid-tier card with the late-2024 refresh adding 10x on CitiTravel.com and EV charging to the 3x grid. The $100 hotel benefit and 16 transfer partners (Avianca, Flying Blue, Turkish, Virgin Atlantic, Wyndham) make it competitive with Sapphire Preferred at the same $95 fee.

Common questions

Which card has the bigger sign-up bonus, Chase Ink Business Cash or Citi Strata Premier Card?
The Chase Ink Business Cash has a public bonus ($1,000 bonus cash back, worth roughly $1,000), while the Citi Strata Premier Card doesn't advertise one right now.
Is the Chase Ink Business Cash's $0 annual fee worth it compared to the Citi Strata Premier Card?
The Chase Ink Business Cash has no annual fee, so the question is whether the Citi Strata Premier Card's $95 fee is justified by its perks. If you'll use enough of the Citi Strata Premier Card's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Chase Ink Business Cash.
Can I have both the Chase Ink Business Cash and Citi Strata Premier Card?
Yes, since they're from different issuers (Chase and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Chase Ink Business Cash or the Citi Strata Premier Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Cash: $8,000 spend in 4 months. Citi Strata Premier Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.