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All comparisons
Head-to-head, 2026

Barclays Hawaiian Airlines® World Elite Business 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

Hawaiian Airlines® World Elite Business Mastercard®

Annual fee
$99
Network
mastercard
Welcome value
~$500
Min spend
$4,000 / 3mo

Top earning rates

  • 3×Airfare · Atmos Rewards
  • 2×Office supplies · Atmos Rewards
  • 2×Gas · Atmos Rewards
  • 2×Dining · Atmos Rewards

Key benefits

  • No Foreign Transaction Fees · $0
  • Atmos™ Rewards Dining · $0
  • Status Points Toward Atmos Rewards Status · $0
  • Huaka‘i by Hawaiian Fare Deals · $0
  • Annual Spend Bonus Atmos Rewards Points (Spend Tier) · $0
Full Barclays Hawaiian Airlines® World Elite Business Mastercard® review

Citi

Strata Premier

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

Top earning rates

  • 10×Hotels, Car Rentals and Attractions · ThankYou Rewards
  • 3×Air Travel and Other Hotel Purchases · ThankYou Rewards
  • 3×Restaurants · ThankYou Rewards
  • 3×Supermarkets · ThankYou Rewards

Key benefits

  • $100 Annual Hotel Benefit · $100
  • No Authorized User Fee · $0
  • Mastercard ID Theft Protection · $0
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
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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