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Side-by-side

Citi Strata Premier Card vs United Business Card

Both are well-respected travel cards. The Citi Strata Premier Card comes from Citi at $95/yr; the United Business Card from Chase at $150/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.

FeatureCiti Strata Premier CardUnited Business Card
Annual fee$95$150
Sign-up bonus60,000 bonus points100,000 miles + 2,000 PQP
Bonus value (est.)$1,020$1,500
Min spend to unlock bonus$4,000 in 3 mo$5,000 in 3 mo
IssuerCitiChase
Card categorytravelbusiness
Best earning category (Travel)3x1x
Transfer partnersciti-tyNone
Headline benefits
  • 10x CitiTravel.com hotels/cars/attractions
  • 3x on restaurants, groceries, flights, hotels, gas, EV
  • $100 hotel savings benefit
  • No foreign transaction fees
  • $125 credit after 5 UA flights $100+
  • $50 hotel credit 2x/year
  • Free checked bag (you + 1)
  • 2 United Club passes/yr
Read the full review
Citi Strata Premier Card
$95/yr · 60,000 bonus points
Read the full review
United Business Card
$150/yr · 100,000 miles + 2,000 PQP

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.

Editorial take: United Business Card

Strong United business card. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit help cover the $150 AF for any United-leaning small business. The 100k + 2,000 PQP bonus is the sweetener. Post-2025 refresh swapped the old $100/$10k-spend credit for a $125 travel credit unlocked by 5 United flight purchases of $100+.

Common questions

Which card has the bigger sign-up bonus, Citi Strata Premier Card or United Business Card?
The United Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus 60,000 bonus points (~$1,020) on the Citi Strata Premier Card.
Is the Citi Strata Premier Card's $95 annual fee worth it compared to the United Business Card?
At $95/yr, the Citi Strata Premier Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Business Card's, pick the one whose perks you'll actually use.
Can I have both the Citi Strata Premier Card and United Business Card?
Yes, since they're from different issuers (Citi and Chase) 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 Citi Strata Premier Card or the United Business Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Strata Premier Card: $4,000 spend in 3 months. United Business Card: $5,000 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.