Bank of America Business Advantage Unlimited Cash Rewards vs Citi Strata Premier℠
Side-by-side comparison
| Bank of America Business Advantage Unlimited Cash Rewards | Citi Strata Premier℠ | |
|---|---|---|
| Annual fee | No annual fee | $95 |
| Welcome offer | $300 statement credit | 60,000 ThankYou® Points |
| Advertising | 1.5% | 1% |
| Shipping | 1.5% | 1% |
| Office supplies | 1.5% | 1% |
| Phone & internet | 1.5% | 1% |
| Travel | 1.5% | 3% |
| Everything else | 1.5% | 1% |
| Est. yearly rewards* | $675 | $630 |
| 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 Premier℠ about $630, 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 Premier℠ charges $95, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Bank of America Business Advantage Unlimited Cash Rewards delivers more total value, about $140 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 Premier℠ 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 Premier℠ 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 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 Bank of America Business Advantage Unlimited Cash Rewards if your spending leans toward advertising, shipping, office supplies. Pick the Citi Strata Premier℠ if your spending leans toward travel.