Citi Strata℠ vs Ink Business Unlimited®
Side-by-side comparison
| Citi Strata℠ | Ink Business Unlimited® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 20,000 ThankYou® Points ($200 value) | |
| Advertising | 1% | 1.5% |
| Shipping | 1% | 1.5% |
| Office supplies | 1% | 1.5% |
| Phone & internet | 1% | 1.5% |
| Travel | 1% | 1.5% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $510 | $675 |
| 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 Unlimited® about $675, valuing every point at a flat 1 cent. The Citi Strata℠ has no annual fee, so its rewards are all profit. The Ink Business Unlimited® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Ink Business Unlimited® 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. 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 Unlimited®. On the sign-up bonus, the Ink Business Unlimited® 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 Unlimited® if your spending leans toward advertising, shipping, office supplies.