Chase Ink Business Cash vs Citi Strata Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Ink Business Cash wins 3-1. No-fee small-business card, 5% on office supplies, internet, cable. Citi Strata Premier is still the right call if mid-tier travel card; 10x is citi travel portal-only, 3x on everyday travel and dining..
Side-by-side
| Criterion | Chase Ink Business Cash | Citi Strata Premier |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 3% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months | = 75,000 ThankYou points after $4,000 spend in 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = None stated | = None stated |
| Min credit score | = 700 | = 700 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
Chase Ink Business Cash
- 5% cashback on office supply stores + telecom (up to $25K/year combined)
- 2% at gas stations + restaurants (up to $25K/year combined)
- 1% on everything else
- No annual fee
- 0% intro APR for 12 months
Citi Strata Premier
- 10x on hotels, car rentals, and attractions booked through the Citi Travel portal only
- 3x on air travel and other hotels, restaurants, supermarkets, and gas
- 1x on everything else
- $100 hotel benefit on $500+ Citi Travel hotel bookings
- Transfer to 16 airline + hotel partners
FAQ
›Chase Ink Business Cash vs Citi Strata Premier: which is better?
Chase Ink Business Cash wins on more dimensions (3 vs 1). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Chase Ink Business Cash for its best categories, Citi Strata Premier for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Ink Business Cash: $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months. Citi Strata Premier: 75,000 ThankYou points after $4,000 spend in 3 months.