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All comparisons
Head-to-head, 2026

Chase Ink Business Preferred 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 Ink Business Preferred

Chase

Ink Business Preferred

Annual fee
$95
Network
visa
Welcome value
$1,250
Min spend
$8,000 / 3mo

Top earning rates

  • 5×travel · Chase Ultimate Rewards
  • 3×travel · Chase Ultimate Rewards
  • 3×shipping · Chase Ultimate Rewards
  • 3×internet, cable, and phone services · Chase Ultimate Rewards

Key benefits

  • Cell Phone Protection · $600
  • Primary Auto Rental CDW (Business) · $300
  • Trip Cancellation/Interruption Insurance · $150
  • No Foreign Transaction Fees · $150
  • Extended Warranty · $50
Full Chase Ink Business Preferred 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.

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