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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
$840
Min spend
$2,000 / 3mo

Top earning rates

  • 3×Hawaiian Airlines purchases · HawaiianMiles
  • 2×Gas · HawaiianMiles
  • 2×Dining · HawaiianMiles
  • 2×Grocery · HawaiianMiles

Key benefits

  • Two free checked bags · $140
  • $100 annual companion discount · $100
  • Discounted Hawaiian Airlines flight awards · $0
  • No foreign transaction fees · $0
  • No HawaiianMiles expiration · $0
Full Barclays Hawaiian Airlines® World Elite Mastercard® review

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Car rentals · Citi ThankYou Rewards
  • 10×Attractions · Citi ThankYou Rewards
  • 10×Hotels · Citi ThankYou Rewards
  • 3×Hotels · Citi ThankYou Rewards

Key benefits

  • $100 Annual Hotel Benefit · $100
  • Trip Delay Protection · $0
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
  • The Reserve by Citi Travel Hotel Benefits · $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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