Beta

Every feature is free during beta. No credit card, no catch.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

United Club Business Card vs Citi Strata Premier Card

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/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 United Club Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,500 more in estimated value) than the Citi Strata Premier Card's. Get the United Club Business Card first; revisit the Citi Strata Premier Card after you've earned that bonus.

FeatureUnited Club Business CardCiti Strata Premier Card
Annual fee$695$95
Sign-up bonus100,000 miles + 2,000 PQPNot advertised
Bonus value (est.)$1,500-
Min spend to unlock bonus$5,000 in 3 mo-
IssuerChaseCiti
Card categorybusinesstravel
Best earning category (Renowned_hotels_chase_travel)5x1x
Transfer partnersNoneciti-ty
Headline benefits
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
  • 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
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Read the full review
Citi Strata Premier Card
$95/yr ·

Editorial take: United Club Business Card

Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.

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, United Club Business Card or Citi Strata Premier Card?
The United Club Business Card has a public bonus (100,000 miles + 2,000 PQP, worth roughly $1,500), while the Citi Strata Premier Card doesn't advertise one right now.
Is the United Club Business Card's $695 annual fee worth it compared to the Citi Strata Premier Card?
Premium cards like the United Club Business Card ($695/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $695+ of those credits, the math works. The Citi Strata Premier Card at $95/yr trades some perks for a lower commitment.
Can I have both the United Club Business Card 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 United Club Business Card or the Citi Strata Premier Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Business Card: $5,000 spend in 3 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.