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Chase Ink Business Preferred vs Citi Strata Premier
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Ink Business PreferredChase | Citi Strata PremierCiti |
|---|---|---|
| Rating | 4.7/5 | 4.5/5 |
| Annual Fee | $95 | $95 |
| APR | 17.74% - 26.74% | 20.24% - 28.24% |
| Signup Bonus | 100,000 points after spending $8,000 in 3 months | 60,000 bonus points after spending $4,000 in 3 months |
| Rewards Rate | 3X on first $150K/yr in travel, shipping, internet/cable/phone, advertising with social media and search engines, 1X on everything else | 10X on hotels, car rentals & attractions via Citi Travel, 3X on air travel, restaurants, supermarkets, and gas/EV stations, 1X on everything else |
| Credit Score | good | good |
| Pros | 100,000-point bonus worth $1,250+ in travel via Chase portal 3X on travel, shipping, internet, phone, and online advertising Points transfer to same 14+ partners as Sapphire cards | 3X on five popular spending categories including travel, dining, and groceries $100 annual hotel savings benefit Transfer points to 17+ airline and hotel partners |
| Cons | $8,000 spend in 3 months is a high threshold for the bonus 3X categories are business-specific, not everyday spend No 0% intro APR offer | $95 annual fee with fewer premium perks than competitors No lounge access 1X on non-category spending is low |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Ink Business Preferred
With a 4.7/5 rating, the Chase Ink Business Preferred edges out the Citi Strata Premier (4.5/5). At $95/yr, the value proposition is strong. The Ink Business Preferred is the best business card for earning Ultimate Rewards points. 100K bonus, 3X on key business categories, and full access to Chase transfer partners.