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COMPARE/IHG ONE REWARDS BUSINESS CREDIT CARD VS CITI STRATA ELITE
FIRST CARD
SECOND CARD

IHG One Rewards Business Credit Card or Citi Strata Elite?

Citi Strata Elite returns $135 over its fee and IHG One Rewards Business Credit Card returns $70, so the fee difference comes down to which categories you use.

IHG One Rewards Business Credit Card
IHG One Rewards Business Credit CardChase · $200 fee · 2 credits
Citi Strata Elite
Citi Strata EliteCiti · $595 fee · 4 credits
NET VALUE-$70$130 credits
NET VALUE+$135$730 credits
IHG One Rewards Business Credit Card
CHASEIHG One Rewards Business Credit Card
FEE$200
CREDITS$130
NET-$70
Category wins0 of 3
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
IHG 40k Free Night
BEST NET VALUE
Citi Strata Elite
CITICiti Strata Elite
FEE$595
CREDITS$730
NET+$135
Category wins3 of 3
ADDITIONAL BENEFITS
LOUNGE ACCESS
Admirals Club Single-Visit Passes
TAKE THE CITI STRATA ELITE IF

You use travel, entertainment & media, transportation. Entertainment & Media and Transportation alone are worth $400 here and nothing on the IHG One Rewards Business Credit Card.

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
Start tracking free

Frequently asked questions

Which is better, IHG One Rewards Business Credit Card or Citi Strata Elite?

The Citi Strata Elite is better with $135 net annual value compared to the IHG One Rewards Business Credit Card at -$70. The Citi Strata Elite wins by $205/year.

What's the difference between IHG One Rewards Business Credit Card and Citi Strata Elite?

The key differences: Citi Strata Elite has a $595 annual fee and $730 in annual benefits, while IHG One Rewards Business Credit Card has a $200 annual fee and $130 in annual benefits. The annual fee difference is $395.

Which has a lower annual fee, IHG One Rewards Business Credit Card or Citi Strata Elite?

The IHG One Rewards Business Credit Card has a lower annual fee at $200 compared to the Citi Strata Elite at $595. However, the Citi Strata Elite offers $730 in total annual benefits.

Is the Citi Strata Elite worth it compared to the IHG One Rewards Business Credit Card?

Yes, the Citi Strata Elite offers better value with $135 net annual value compared to -$70 for the IHG One Rewards Business Credit Card. Even though it has a higher annual fee ($595 vs $200), the Citi Strata Elite provides more total benefits.

Chase vs Citi: which issuer is better?

For these specific cards, Citi's Citi Strata Elite offers better value with $135 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for travel?

The Citi Strata Elite is better for travel with $500 in annual travel benefits compared to $100 for the IHG One Rewards Business Credit Card.

Should I get the Citi Strata Elite?

If you're deciding between the IHG One Rewards Business Credit Card and Citi Strata Elite, the Citi Strata Elite is the better choice with $135 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.

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