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Capital One Spark Miles for Business vs Citi Strata Premier Card

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

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureCapital One Spark Miles for BusinessCiti Strata Premier Card
Annual fee$95$95
Sign-up bonus50,000 miles60,000 points
Bonus value (est.)$900$1,020
Min spend to unlock bonus$4,500 in 3 mo$4,000 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
  • 3x on restaurants, groceries, flights, hotels & gas
  • $100 hotel savings benefit
  • Transfer to 15+ partners
  • No foreign transaction fees
Read the full review
Capital One Spark Miles for Business
$95/yr · 50,000 miles
Read the full review
Citi Strata Premier Card
$95/yr · 60,000 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 Premier Card

A solid mid-tier card with 3x across multiple useful categories. The hotel savings benefit and strong transfer partners (especially for international flights) make it worth a look.

Common questions

Which card has the bigger sign-up bonus, Capital One Spark Miles for Business or Citi Strata Premier Card?
The Citi Strata Premier Card has the bigger bonus — 60,000 points, worth roughly $1,020, 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 Premier 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 Premier 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 Premier 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 Premier 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 Premier Card: $4,000 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.