American Express® Blue Business Plus vs Citi Strata Premier℠
Side-by-side comparison
| American Express® Blue Business Plus | Citi Strata Premier℠ | |
|---|---|---|
| Annual fee | No annual fee | $95 |
| Welcome offer | 15,000 Membership Rewards® Points | 60,000 ThankYou® Points |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 1% |
| Phone & internet | 2% | 1% |
| Travel | 2% | 3% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $630 |
| Points type | Transfers to airlines & hotels | Transfers to airlines & hotels |
| Network | Amex | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the American Express® Blue Business Plus earns about $900 a year in rewards and the Citi Strata Premier℠ about $630, valuing every point at a flat 1 cent. The American Express® Blue Business Plus has no annual fee, so its rewards are all profit. The Citi Strata Premier℠ charges $95, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the American Express® Blue Business Plus delivers more total value, about $365 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Citi Strata Premier℠ currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the American Express® Blue Business Plus if your spending leans toward advertising, shipping, office supplies. Pick the Citi Strata Premier℠ if your spending leans toward travel.