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Capital One Spark Miles for Business vs Citi Strata Elite Card

Both are well-respected travel cards. The Capital One Spark Miles for Business comes from Capital One at $95/yr; the Citi Strata Elite Card from Citi at $595/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Citi Strata Elite Card is the stronger pick today — the sign-up bonus is meaningfully larger ($540 more in estimated value) than the Capital One Spark Miles for Business's. Get the Citi Strata Elite Card first; revisit the Capital One Spark Miles for Business after you've earned that bonus.

FeatureCapital One Spark Miles for BusinessCiti Strata Elite Card
Annual fee$95$595
Sign-up bonus50,000 miles80,000 points
Bonus value (est.)$900$1,440
Min spend to unlock bonus$4,500 in 3 mo$6,000 in 3 mo
IssuerCapital OneCiti
Card categorybusinesstravel
Best earning category (Hotels_capital_one)5x1x
Transfer partnerscapital-oneciti-ty
Headline benefits
  • 2x on everything
  • Transfers to 15+ partners
  • No FX fees
  • Global Entry credit
  • 12x on Citi hotels
  • $300 hotel + $200 Splurge + $200 Blacklane
  • 4 Admirals Club passes
  • Citi TY transfer to 16 partners
Read the full review
Capital One Spark Miles for Business
$95/yr · 50,000 miles
Read the full review
Citi Strata Elite Card
$595/yr · 80,000 points

Editorial take: Capital One Spark Miles for Business

The strongest catch-all 2x business card with transferable points. The annual fee is waived first year; the Capital One transfer chart includes Aeroplan, Flying Blue, Turkish, and Virgin Atlantic — enough to make 2x meaningful.

Editorial take: Citi Strata Elite Card

Citi's premium answer to Amex Platinum + Sapphire Reserve. The 12x on Citi-booked hotels is the best earning rate in the category; the $200 Blacklane and 4 Admirals Club passes are differentiated perks. $595 fee penciled out if you'll actually use the hotel + Splurge credits.

Common questions

Which card has the bigger sign-up bonus, Capital One Spark Miles for Business or Citi Strata Elite Card?
The Citi Strata Elite Card has the bigger bonus — 80,000 points, worth roughly $1,440, versus 50,000 miles (~$900) on the Capital One Spark Miles for Business.
Is the Capital One Spark Miles for Business's $95 annual fee worth it compared to the Citi Strata Elite Card?
At $95/yr, the Capital One Spark Miles for Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi Strata Elite Card's — pick the one whose perks you'll actually use.
Can I have both the Capital One Spark Miles for Business and Citi Strata Elite Card?
Yes, since they're from different issuers (Capital One and Citi) the application rules don't conflict. Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Capital One Spark Miles for Business or the Citi Strata Elite Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Miles for Business: $4,500 spend in 3 months. Citi Strata Elite Card: $6,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.