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All comparisons
Head-to-head, 2026

Citi Strata Premier U.S. Bank Business Essentials Plus Visa Signature Card

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

Lower annual fee: Citi Strata PremierBigger welcome offer: U.S. Bank Business Essentials Plus Visa Signature Card

Citi

Strata Premier

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

Top earning rates

  • 10×Hotels, Car Rentals and Attractions · ThankYou Rewards
  • 3×Air travel and other hotel purchases · ThankYou Points
  • 3×Restaurants · ThankYou Points
  • 3×Supermarkets · ThankYou Points

Key benefits

  • $100 Annual Hotel Benefit · $100
  • No Authorized User Fee · $0
  • Mastercard ID Theft Protection · $0
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
Full Citi Strata Premier review

U.S. Bank

Business Essentials Plus Visa Signature Card

Annual fee
$295
Network
visa
Welcome value
$1,000
Min spend
$15,000 / 5mo

Top earning rates

  • 10×Prepaid hotels and car rentals · U.S. Bank Business Essentials Plus cash back
  • 5×Top eligible spend category each month · U.S. Bank Business Essentials Plus cash back
  • 2×All other purchases · U.S. Bank Business Essentials Plus cash back

Key benefits

  • No benefits on file
Full U.S. Bank Business Essentials Plus Visa Signature Card 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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