Bank of America Business Advantage Unlimited Cash Rewards vs Citi Strata℠
Side-by-side comparison
| Bank of America Business Advantage Unlimited Cash Rewards | Citi Strata℠ | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $300 statement credit | 20,000 ThankYou® Points ($200 value) |
| Advertising | 1.5% | 1% |
| Shipping | 1.5% | 1% |
| Office supplies | 1.5% | 1% |
| Phone & internet | 1.5% | 1% |
| Travel | 1.5% | 1% |
| Everything else | 1.5% | 1% |
| Est. yearly rewards* | $675 | $510 |
| Points type | Cash back only | Pools with Citi → transferable |
| Network | Mastercard | 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 Bank of America Business Advantage Unlimited Cash Rewards earns about $675 a year in rewards and the Citi Strata℠ about $510, valuing every point at a flat 1 cent. The Bank of America Business Advantage Unlimited Cash Rewards has no annual fee, so its rewards are all profit. The Citi Strata℠ has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Bank of America Business Advantage Unlimited Cash Rewards delivers more total value, about $165 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Citi Strata℠ earns points you can move to travel partners for outsized value, while the Bank of America Business Advantage Unlimited Cash Rewards pays plain cash back. Favor the Citi Strata℠ if you will use travel transfers, the Bank of America Business Advantage Unlimited Cash Rewards if you want simplicity. On the sign-up bonus, the Bank of America Business Advantage Unlimited Cash Rewards currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Bank of America Business Advantage Unlimited Cash Rewards if your spending leans toward advertising, shipping, office supplies.