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Chase Ink Business Premier vs Citi Strata Elite Card

Both are well-respected travel cards. The Chase Ink Business Premier comes from Chase at $195/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 Chase Ink Business Premier is the stronger pick today — the sign-up bonus is meaningfully larger ($560 more in estimated value) than the Citi Strata Elite Card's. Get the Chase Ink Business Premier first; revisit the Citi Strata Elite Card after you've earned that bonus.

FeatureChase Ink Business PremierCiti Strata Elite Card
Annual fee$195$595
Sign-up bonus100,000 points80,000 points
Bonus value (est.)$2,000$1,440
Min spend to unlock bonus$10,000 in 3 mo$6,000 in 3 mo
IssuerChaseCiti
Card categorybusinesstravel
Best earning category (Travel_chase)5x1x
Transfer partnerschase-urciti-ty
Headline benefits
  • 100k bonus (one of largest)
  • 2.5x on $5k+ purchases
  • 5x Chase Travel
  • Pay-in-full (no APR)
  • 12x on Citi hotels
  • $300 hotel + $200 Splurge + $200 Blacklane
  • 4 Admirals Club passes
  • Citi TY transfer to 16 partners
Read the full review
Chase Ink Business Premier
$195/yr · 100,000 points
Read the full review
Citi Strata Elite Card
$595/yr · 80,000 points

Editorial take: Chase Ink Business Premier

Chase's premium business card filling the gap above Ink Business Preferred. The 2.5x on large purchases is unique among UR-earning cards — perfect for businesses that drop $5k+ on equipment, software, or contractors monthly. Pay-in-full required.

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, Chase Ink Business Premier or Citi Strata Elite Card?
The Chase Ink Business Premier has the bigger bonus — 100,000 points, worth roughly $2,000, versus 80,000 points (~$1,440) on the Citi Strata Elite Card.
Is the Chase Ink Business Premier's $195 annual fee worth it compared to the Citi Strata Elite Card?
At $195/yr, the Chase Ink Business Premier 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 Chase Ink Business Premier and Citi Strata Elite Card?
Yes, since they're from different issuers (Chase 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 Chase Ink Business Premier or the Citi Strata Elite Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Premier: $10,000 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.