Ink Business Premier Credit Card vs. Citi Strata Premier Card
On the criteria below, Citi Strata Premier Card wins 2 of 3. The verdict depends on which criteria matter to you.
Ink Business Premier Credit Card
Chase
Citi Strata Premier Card
Citi
Citi Strata Premier Card wins 2 of 3 criteria here, making it the stronger all-rounder.
Citi Strata Premier Card leads on annual fee and earning ceiling, while Ink Business Premier Credit Card only ties the rest.
Take the Citi Strata Premier Card if you want a cheaper card to keep long-term.
Who wins what
0 vs 2 (1 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Citi Strata Premier Card
Citi Strata Premier Card is $100 cheaper to keep.
- Earning ceiling Citi Strata Premier Card
Citi Strata Premier Card earns more on its best category (10× vs 5×).
By the numbers
- Annual fee
- $195
- $95
- Welcome offer (typical value)
- $1,000
- $900
- First-year net
- +$805
- +$805
- Peak earning rate
- 5×
- 10×
- Top categories
- Chase Travel, Large Purchases, Lyft
- Travel, Travel, Dining
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Chase Ultimate Rewards
- Citi ThankYou Points
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.