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All comparisons
Head-to-head, 2026

Barclays Hawaiian Airlines® 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: Barclays Hawaiian Airlines® World Elite Mastercard®

Barclays

Hawaiian Airlines® World Elite Mastercard®

Annual fee
$99
Network
mastercard
Welcome value
$700
Min spend
$2,000 / 3mo

Top earning rates

  • 3×Hawaiian Airlines purchases · HawaiianMiles
  • 2×gas channels · HawaiianMiles
  • 2×dining · HawaiianMiles
  • 2×grocery stores · HawaiianMiles

Key benefits

  • One-time 50% companion discount · $300
  • 2x on Gas, Dining, and Groceries · $240
  • Two free checked bags · $140
  • 1x Base Rewards Rate · $100
  • Introductory Balance Transfer APR · $100
Full Barclays Hawaiian Airlines® 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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