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All comparisons
Head-to-head, 2026

Barclays Emirates Skywards Rewards World Elite Mastercard Citi Strata Premier

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Citi Strata PremierBigger welcome offer: Citi Strata Premier

Barclays

Emirates Skywards Rewards World Elite Mastercard

Annual fee
$99
Network
mastercard
Welcome value
$300
Min spend
$3,000 / 3mo

Top earning rates

  • 2×Emirates purchases · Emirates Skywards
  • 2×dining · Emirates Skywards
  • 2×travel · Emirates Skywards
  • 1×all other purchases · Emirates Skywards

Key benefits

  • Emirates Skywards Silver Status (First Year and Spend Tier) (Spend Tier) · $250
  • 1x Skywards Miles on Base Spend · $150
  • 25% Discount on Miles Plus Cash Bookings · $100
  • ShopRunner Membership · $79
  • 3x Skywards Miles on Emirates Purchases · $60
Full Barclays Emirates Skywards Rewards World Elite Mastercard review

Citi

Strata Premier

Annual fee
$95
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×car rentals · Citi ThankYou Points
  • 10×attractions · Citi ThankYou Points
  • 10×hotels · Citi ThankYou Points
  • 3×hotels · Citi ThankYou Points

Key benefits

  • Points Transfer to Partners · $150
  • $200 Annual Hotel Benefit · $100
  • Travel Protection Benefits · $50
  • No Foreign Transaction Fees · $30
  • Citi Entertainment® · $20
Full Citi Strata Premier review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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