Head-to-head · 🇺🇸 United States
Chase Ink Business Cash vs Citi Strata Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Chase
Chase Ink Business Cash
VISA
Wins 2 of 10
US
Citi
Citi Strata Premier
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
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) | 10% (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 | = — | = — |
| 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 via Citi Travel
- 3x at restaurants + supermarkets + gas stations
- 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?
It's a true tie — pick the one whose boost categories match your spend. Chase Ink Business Cash wins on 2 criteria, Citi Strata Premier on 2.
›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.