Bank of America Business Advantage Unlimited Cash Rewards vs Citi Strata Elite℠
Side-by-side comparison
| Bank of America Business Advantage Unlimited Cash Rewards | Citi Strata Elite℠ | |
|---|---|---|
| Annual fee | No annual fee | $595 |
| Welcome offer | $300 statement credit | 75,000 ThankYou® Points |
| Advertising | 1.5% | 1.5% |
| Shipping | 1.5% | 1.5% |
| Office supplies | 1.5% | 1.5% |
| Phone & internet | 1.5% | 1.5% |
| Travel | 1.5% | 1.5% |
| Everything else | 1.5% | 1.5% |
| Est. yearly rewards* | $675 | $702 |
| Points type | Cash back only | Transfers to airlines & hotels |
| 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 Elite℠ about $702, 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 Elite℠ charges $595, but carries about $700 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Bank of America Business Advantage Unlimited Cash Rewards delivers more total value, about $218 a year more for a typical spender, mostly because it skips the annual fee the other charges. The bigger difference is the ceiling: the Citi Strata Elite℠ 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 Elite℠ 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 Citi Strata Elite℠ currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.