Citi Strata℠ vs United Club℠ Business Card
Side-by-side comparison
| Citi Strata℠ | United Club℠ Business Card | |
|---|---|---|
| Annual fee | No annual fee | $695 |
| Welcome offer | 20,000 ThankYou® Points ($200 value) | 110,000 miles |
| Advertising | 1% | 1.5% |
| Shipping | 1% | 1.5% |
| Office supplies | 1% | 1.5% |
| Phone & internet | 1% | 1.5% |
| Travel | 1% | 2% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $510 | $699 |
| Points type | Pools with Citi → transferable | Locked to United MileagePlus |
| 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 United Club℠ Business Card about $699, valuing every point at a flat 1 cent. The Citi Strata℠ has no annual fee, so its rewards are all profit. The United Club℠ Business Card charges $695, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Citi Strata℠ delivers more total value, about $506 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℠ earns points you can move to travel partners for outsized value, while the United Club℠ Business Card stays locked to a single airline or hotel program. Favor the Citi Strata℠ if you will use travel transfers, the United Club℠ Business Card if you want simplicity. On the sign-up bonus, the United Club℠ Business Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the United Club℠ Business Card if your spending leans toward advertising, shipping, office supplies.