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All comparisons
Head-to-head, 2026

Chase United Business Citi Strata Premier

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

Lower annual fee: Citi Strata Premier

Chase

United Business

Annual fee
$150
Network
visa
Welcome value
—
Min spend
$5,000 / 3mo

Top earning rates

  • 8×Eligible United flights · MileagePlus
  • 2×Gas stations · MileagePlus
  • 2×Office supply stores · MileagePlus
  • 2×Local transit · MileagePlus

Key benefits

  • Emergency Evacuation and Transportation · $1000000
  • Travel Accident Insurance · $500000
  • Purchase Protection · $10000
  • Lost Luggage Reimbursement · $3000
  • Trip Delay Insurance · $500
Full Chase United Business review

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
~$1,140
Min spend
$4,000 / 3mo

Top earning rates

  • 3×Air travel and other hotel purchases · ThankYou Points
  • 3×Restaurants · ThankYou Points
  • 3×Supermarkets · ThankYou Points
  • 3×Gas and EV charging stations · ThankYou Points

Key benefits

  • $100 Annual Hotel Benefit · $100
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
  • The Reserve by Citi Travel Hotel Benefits · $0
  • Trip Cancellation and Interruption Insurance · $0
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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