Compare the Features and Benefits of Citi Strata Premier® Credit Card and
Chase Ink Business Premier℠ Credit Card

Thanks to its long list of bonus categories and a generous sign-up bonus, the Citi Strata Premier® is one of the most lucrative points-earning cards at the $95 price point.

You can earn ThankYou® points through a variety of means, but one of the best aspects of the Premier is the broad array of bonus categories. You’ll get 3X points on five categories including air travel and hotels, restaurants, supermarkets, and gas stations + EV charging stations.

On the redemption side, the airline and hotel travel partners can unlock some incredible opportunities. One such sweet spot is redeeming Virgin Atlantic Flying Club points for partners such as Delta or ANA (although that latter redemption isn’t as good as it once was).

Two of the Citi Strata Premier card’s main competitors include the Chase Sapphire Preferred® card and Capital One Venture Rewards Credit Card. Those cards also offer transferable points — Chase Ultimate Rewards and Capital One Miles — as well as the same $95 annual fee.

Double up by Transferring Points from the Citi Double Cash Card to the Citi Strata Premier Card

The single biggest “weak spot” with the Citi Strata Premier Credit Card is that certain non-bonus categories only earn one point per dollar spent. The best credit cards give you two points per dollar spent in any category. Citi recently responded to the complaints by allowing customers to transfer points from the Citi® Double Cash Card to their ThankYou® Point balances.

What is the Citi Double Cash Card?

The Citi Double Cash Card is possibly the most user-friendly credit card out there. The Double Cash earns two ThankYou® points per dollar spent on every purchase, one cent when you make a purchase and another when you pay for the purchase.

There is no annual fee and no sign-up bonus for the Double Cash. It was created to be simple.

These points can be easily setup to be in the same ThankYou® account as your Premier card.

How To Double Up With Citi Double Cash and Citi Strata Premier

The “double up” is easy. All you need is a Citi Double Cash Card and a Citi Strata Premier card. Since the Double Cash has no annual fee, there’s no downside to having it.

Remember, the Citi Strara Premier Card pays 3X in certain categories (Air/Hotel, Gas, Restaurants and Supermarkets) and 1X in everything else. The Citi Double Cash card pays 2X on everything.

If your purchase is in a Citi Strata Premier card bonus category, go ahead and make the purchase with your Citi Strata Premier card.

If it’s in any other category, make the purchase with your Double Cash card. That way, you’ll get one percent when you make the purchase and another percent when you pay it.

The Citi Trifecta: Add a Citi Rewards+ Card for a 10% Points Rebate

If you want to take full advantage of the Citicards family, add in a no-annual fee Citi Rewards+ card. While the 15,000 ThankYou® Points that you’ll receive when you sign up (and spend $1,000 in the first three months) are nice, the real bonus comes from the redemption discount.

Every calendar year, Citi will rebate 10% of the first 100,000 ThankYou® Points that you spend. It’s a 10,000 annual TYP bonus! Best of all, you don’t ever need to spend on the card. Just having it in your profile and linked to the same ThankYou® account will ensure that you get the rebate.

Alternate Citi Trifecta

Add a Citi Custom Cash card, which earns 5% on your top bonus category each month, up to $500 in spend, and features some unique bonus categories like Home Improvement Stores, Drugstores, and Live Entertainment (Concerts and Shows). It also comes with a 20,000 point signup bonus worth at least $200.

Citi Application Limits (a.k.a. Citi Velocity Rules)

Citi will not approve more than two cards in a 60-day period, although we recommend 65 days, just to be safe. So if you want a Citi Strata Premier, Double Cash and Rewards+ card, you’ll have to pick one to wait and apply for on Day 66. We’d recommend waiting on the Rewards+, since the benefits are back-ended.

Each of these cards are limited to one signup bonus per 48 months.

Note: This card was recently rebranded from the Citi Premier® to the Citi Strata Premier®. You will be eligible for a signup bonus only if you have not received a signup bonus on either the Citi Premier® or the Citi Strata Premier® in the last 48 months.

Best Ways to Use Citi ThankYou® Points

There are several ways to redeem your Citi ThankYou® Points and, not surprisingly, some are better than others. Here are the most popular options.

Best: Transfer Points to an Airline Partner

The best use of ThankYou® Points is to transfer them to one of Citi’s airline or hotel partners.

All points transfer at a rate of 1:1 from ThankYou® Points into the partner miles. ThankYou® Points are particularly useful for international travel, since many of the partners are non-US airlines. You can, of course, use international airline miles to fly on domestic partners.

Some examples include: transfering to Singapore Airlines’ KrisFlyer program to fly their famous Singapore Suites, transferring to Turkish Miles&Smiles to get the absolute best award pricing for Star Alliance flights (hello, 7,500 mile one way flights from the mainland to Hawaii!), transferring to Virgin Atlantic for deals on flights from the US to Europe on Delta-metal and flights within North America on Delta as well as great rates on ANA flights to Japan and beyond.

Prefer spending points for hotels?

Citi transfers to Choice Hotels where some amazing bargains lie, especially at premium hotels.

If you have a Citi Strata Premier or Citi Prestige, you will get 2 Choice Privileges points per 1 Citi ThankYou® point transferred.

You can use this to book Choice Hotels properties, which include Comfort Inn, Sleep Inn, Quality Inn, EconoLodge, Rodeway Inn, Ascend, and Cambria, among others. And there is solid value on the discount side of its hotel offerings.

But if you like a bit more upscale…. that is where the Choice Hotels partnership with Preferred Hotels and Resorts comes into play.

You can search the above link to see all of the options, but here’s one example.

The Excelsior Palace Hotel on the Portofino Coast in Italy can easily exceed 400 Euros per night. Or it can be booked for 55,000 Choice Privileges points equal to is just 27,500 Citi ThankYou points. That’s ~ 2 cents per point in value.

Use for Travel or Gift Cards

It’s not our preferred way to use ThankYou® points, but if you don’t want to transfer your points to miles, you have the option to use them for gift cards. Citi offers gift card rewards from more than 100 partners, so you’re not going to be at a loss for options.

You can also book travel through Citi’s dedicated Travel℠ portal. There’s no real advantage in doing it this way other than that you can use your points to do so.

The downside to these options is that the per point value is not particularly good. You’ll receive a penny per point, which is generally less than the value of a mile in the “best use” scenario above.

Summary

We are big fans of the Citi Strata Premier. For a while, it lacked travel protections, but those are once again a feature of this card so on top of 3X bonus categories covering most categories a frequent traveler needs, it also has a range of trip protections.

3X ThankYou points on air travel and hotels, restaurants, supermarkets, and gas stations + EV charging stations is quite a generous range of bonus categories. for such a.minimal annual fee And as we mention above, it pairs well with other ThankYou-earning cards like the Citi Couble Cash, Citi Custom Cash, and the Citi Rewards+.

The Ink Business Premier credit card from Chase fits a specific target audience.

The businesses best suited for this card spend a very high amount monthly and want to simplify their spending. Especially if you have frequent charges over $5,000, that annual fee is paid for many times over by the extra 1/2 percent earned in cash back.

While it’s easy to get caught up in miles and points, if you are spending and earning more points than you can realistically spend, it’s not at all a bad idea.

However, if you want to earn transferable points, you would be better served by a Capital One Spark Cash Select. Alone, the Spark Cash is also just straight cash, but if you have a Venture, Venture X, or Spark Miles for Business card, you can convert the cash to miles.

If that’s not a concern, then the Chase Ink Business Premier is easily the very best business charge card out there. No other credit card or charge card will get you more cash back on purchases.

Many small business owners spend a ton on inventory monthly and could be earning huge amounts of cashback, but don’t have time to learn about miles and points. This business card is perfect for those small business owners. If purchases tend to be large purchases over $5,000 (which earn 2.5%) it becomes even better.