Citi Strata Premier℠ vs Ink Business Unlimited®
Side-by-side comparison
| Citi Strata Premier℠ | Ink Business Unlimited® | |
|---|---|---|
| Annual fee | $95 | No annual fee |
| Welcome offer | 60,000 ThankYou® Points | |
| Advertising | 1% | 1.5% |
| Shipping | 1% | 1.5% |
| Office supplies | 1% | 1.5% |
| Phone & internet | 1% | 1.5% |
| Travel | 3% | 1.5% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $630 | $675 |
| Points type | Transfers to airlines & hotels | 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 Premier℠ earns about $630 a year in rewards and the Ink Business Unlimited® about $675, valuing every point at a flat 1 cent. The Citi Strata Premier℠ charges $95, which you clear through its rewards and perks. The Ink Business Unlimited® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Ink Business Unlimited® 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. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. 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 Citi Strata Premier℠ if your spending leans toward travel. Pick the Ink Business Unlimited® if your spending leans toward advertising, shipping, office supplies.