Editorial take: Chase Ink Business Unlimited
The business version of Freedom Unlimited. Flat 1.5% on every business expense with no annual fee, perfect catch-all for anything that doesn't fit a bonus category.
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Side-by-side
Chase Ink Business Unlimited vs Citi Strata Premier Card
Both are well-respected travel cards. The Chase Ink Business Unlimited 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
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Chase Ink Business Unlimited | Citi Strata Premier Card |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | $750 bonus cash back | 60,000 bonus points |
| Bonus value (est.) | $750 | $1,020 |
| Min spend to unlock bonus | $6,000 in 3 mo | $4,000 in 3 mo |
| Issuer | Chase | Citi |
| Card category | business | travel |
| Best earning category (Other) | 1.5x | 1x |
| Transfer partners | chase-ur | citi-ty |
| Headline benefits |
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Read the full review
Chase Ink Business Unlimited
$0/yr · $750 bonus cash back
Read the full review
Citi Strata Premier Card
$95/yr · 60,000 bonus points
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 Unlimited or Citi Strata Premier Card?
- The Citi Strata Premier Card has the bigger bonus, 60,000 bonus points, worth roughly $1,020, versus $750 bonus cash back (~$750) on the Chase Ink Business Unlimited.
- Is the Chase Ink Business Unlimited's $0 annual fee worth it compared to the Citi Strata Premier Card?
- The Chase Ink Business Unlimited 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 Unlimited.
- Can I have both the Chase Ink Business Unlimited 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 Unlimited or the Citi Strata Premier Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Unlimited: $6,000 spend in 3 months. Citi Strata Premier Card: $4,000 in 3 months. 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.