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All comparisons
Head-to-head, 2026

Chase Aeroplan Business Citi Strata Premier

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Bigger welcome offer: Chase Aeroplan Business

Chase

Aeroplan Business

Annual fee
$95
Network
mastercard
Welcome value
$1,050
Min spend
$10,000 / 3mo

Top earning rates

  • 3×Air Canada · Aeroplan
  • 3×Dining · Aeroplan
  • 3×Shipping · Aeroplan
  • 3×Business Utilities · Aeroplan

Key benefits

  • Aeroplan 25K Status · $400
  • Free First Checked Bags · $140
  • Global Entry, TSA PreCheck, or NEXUS Fee Credit · $100
  • Elite Status Qualification Boost · $100
  • No Foreign Transaction Fees · $60
Full Chase Aeroplan Business review

Citi

Strata Premier

Annual fee
$95
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×car rentals · Citi ThankYou Points
  • 10×attractions · Citi ThankYou Points
  • 10×hotels · Citi ThankYou Points
  • 3×hotels · Citi ThankYou Points

Key benefits

  • Points Transfer to Partners · $150
  • $200 Annual Hotel Benefit · $100
  • Travel Protection Benefits · $50
  • No Foreign Transaction Fees · $30
  • Citi Entertainment® · $20
Full Citi Strata Premier review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer