Strata Elite vs United Club Business
Strata Elite
$595/yr
5.5/10
VS
United Club Business
$695/yr
5.5/10
Quick Answer
Strata Elite charges $595/yr with 1X base rewards. United Club Business charges $695/yr with 1X base rewards. Strata Elite offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Strata Elite
Lower annual fee ($595 vs $695)
Rewards Earning
Strata Elite
2 earning categories
Benefits & Protection
Strata Elite
0 benefits vs 0
Statement Credits
Strata Elite
$350 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Strata Elite wins for most people
The $100 fee difference is hard to justify unless you maximize premium benefits.
Apply for Strata ElitePREMIUM PICK
United Club Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United Club BusinessRewards Earning: Detailed Comparison
Strata Elite
| Hotels, air travel, restaurants, supermarkets, gas | 3.0X |
| Everything else | 1.0X |
United Club Business
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |