Skip to content
Credit Card Coups
COMPARE/UNITED CLUB BUSINESS CARD VS CITI STRATA ELITE
FIRST CARD
SECOND CARD

United Club Business Card or Citi Strata Elite?

United Club Business Card returns $169 over its fee and Citi Strata Elite returns $135, so the fee difference comes down to which categories you use.

United Club Business Card
United Club Business CardChase · $695 fee · 6 credits
Citi Strata Elite
Citi Strata EliteCiti · $595 fee · 4 credits
NET VALUE+$169$864 credits
NET VALUE+$135$730 credits
BEST NET VALUE
United Club Business Card
CHASEUnited Club Business Card
FEE$695
CREDITS$864
NET+$169
Category wins1 of 4
ADDITIONAL BENEFITS
LOUNGE ACCESS
United Club Membership
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 CLUB BUSINESS CARD IF

You use food & dining. Food & Dining alone is worth $240 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 Club Business 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, United Club Business Card or Citi Strata Elite?

The United Club Business Card is better with $169 net annual value compared to the Citi Strata Elite at $135. The United Club Business Card wins by $34/year.

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

The key differences: United Club Business Card has a $695 annual fee and $864 in annual benefits, while Citi Strata Elite has a $595 annual fee and $730 in annual benefits. The annual fee difference is $100.

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

The Citi Strata Elite has a lower annual fee at $595 compared to the United Club Business Card at $695. However, the United Club Business Card offers $864 in total annual benefits.

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

Yes, the United Club Business Card offers better value with $169 net annual value compared to $135 for the Citi Strata Elite. Even though it has a higher annual fee ($695 vs $595), the United Club Business Card provides more total benefits.

Chase vs Citi: which issuer is better?

For these specific cards, Chase's United Club Business Card offers better value with $169 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for food_and_dining?

The United Club Business Card is better for food_and_dining with $240 in annual food_and_dining benefits compared to $0 for the Citi Strata Elite.

Should I get the United Club Business Card?

If you're deciding between the United Club Business Card and Citi Strata Elite, the United Club Business Card is the better choice with $169 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.

Other comparisons

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Platinum+$2,109
VS
Capital One Venture X-$65
See the breakdown →
Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
See the breakdown →
American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
See the breakdown →
American Express Gold+$99
VS
American Express Platinum+$2,109
See the breakdown →

MORE UNITED CLUB BUSINESS CARD COMPARISONS

MORE CITI STRATA ELITE COMPARISONS