Editorial take: Chase Ink Business Preferred
The business version of Sapphire Preferred with one of the highest sign-up bonuses around. 3x on shipping, travel, and advertising plus full UR transfer access. A no-brainer for business owners.
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Side-by-side
Chase Ink Business Preferred vs Citi Strata Elite Card
Both are well-respected travel cards. The Chase Ink Business Preferred comes from Chase 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 Chase Ink Business Preferred 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 Preferred first; revisit the Citi Strata Elite Card after you've earned that bonus.
| Feature | Chase Ink Business Preferred | Citi Strata Elite Card |
|---|---|---|
| Annual fee | $95 | $595 |
| Sign-up bonus | 100,000 points | 80,000 points |
| Bonus value (est.) | $2,000 | $1,440 |
| Min spend to unlock bonus | $8,000 in 3 mo | $6,000 in 3 mo |
| Issuer | Chase | Citi |
| Card category | business | travel |
| Best earning category (Travel) | 3x | 1x |
| Transfer partners | chase-ur | citi-ty |
| Headline benefits |
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Read the full review
Chase Ink Business Preferred
$95/yr · 100,000 points
Read the full review
Citi Strata Elite Card
$595/yr · 80,000 points
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 Preferred or Citi Strata Elite Card?
- The Chase Ink Business Preferred 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 Preferred's $95 annual fee worth it compared to the Citi Strata Elite Card?
- At $95/yr, the Chase Ink Business Preferred 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 Preferred 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 Preferred or the Citi Strata Elite Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Preferred: $8,000 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.