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COMPARE/UNITED BUSINESS CARD VS CITI STRATA ELITE
FIRST CARD
SECOND CARD

United Business Card or Citi Strata Elite?

United Business Card returns $291 over its fee and Citi Strata Elite returns $135, so the fee difference comes down to which categories you use.

United Business Card
United Business CardChase · $150 fee · 5 credits
Citi Strata Elite
Citi Strata EliteCiti · $595 fee · 4 credits
NET VALUE+$291$441 credits
NET VALUE+$135$730 credits
BEST NET VALUE
United Business Card
CHASEUnited Business Card
FEE$150
CREDITS$441
NET+$291
Category wins1 of 4
Citi Strata Elite
CITICiti Strata Elite
FEE$595
CREDITS$730
NET+$135
Category wins3 of 4
ADDITIONAL BENEFITS
LOUNGE ACCESS
Admirals Club Day Passes
TAKE THE UNITED BUSINESS CARD IF

You use food & dining. Food & Dining alone is worth $120 here and nothing on the Citi Strata Elite.

TAKE THE CITI STRATA ELITE IF

You use travel, transportation, entertainment & media. Entertainment & Media alone is worth $200 here and nothing on the United Business Card.

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
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Frequently asked questions

Which is better, United Business Card or Citi Strata Elite?

The United Business Card is better with $291 net annual value compared to the Citi Strata Elite at $135. The United Business Card wins by $156/year.

What's the difference between United Business Card and Citi Strata Elite?

The key differences: Citi Strata Elite has a $595 annual fee and $730 in annual benefits, while United Business Card has a $150 annual fee and $441 in annual benefits. The annual fee difference is $445.

Which has a lower annual fee, United Business Card or Citi Strata Elite?

The United Business Card has a lower annual fee at $150 compared to the Citi Strata Elite at $595. However, the Citi Strata Elite offers $730 in total annual benefits.

Is the United Business Card worth it compared to the Citi Strata Elite?

Yes, the United Business Card offers better value with $291 net annual value compared to $135 for the Citi Strata Elite. It also has a lower annual fee.

Chase vs Citi: which issuer is better?

For these specific cards, Chase's United Business Card offers better value with $291 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 $225 for the United Business Card.

Should I get the United Business Card?

If you're deciding between the United Business Card and Citi Strata Elite, the United Business Card is the better choice with $291 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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