Citi Strata℠ vs Ink Business Cash®
Side-by-side comparison
| Citi Strata℠ | Ink Business Cash® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 20,000 ThankYou® Points ($200 value) | |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 5% |
| Phone & internet | 1% | 5% |
| Travel | 1% | 1% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $510 | $684 |
| Points type | Pools with Citi → transferable | Pools with Chase → transferable |
| Network | Mastercard | Visa |
*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 Citi Strata℠ earns about $510 a year in rewards and the Ink Business Cash® about $684, valuing every point at a flat 1 cent. The Citi Strata℠ has no annual fee, so its rewards are all profit. The Ink Business Cash® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Ink Business Cash® delivers more total value, about $174 a year more for a typical spender, mostly because it earns more where you spend most, on office supplies and phone & internet. Both earn points that only unlock airline and hotel transfers once you pair them with a premium card in the same family, so it comes down to which ecosystem you are building: Citi for the Citi Strata℠, Chase for the Ink Business Cash®. On the sign-up bonus, the Ink Business Cash® currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Ink Business Cash® if your spending leans toward office supplies, phone & internet.