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All comparisons
Head-to-head, 2026

Barclays JetBlue Business 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 JetBlue Business

Barclays

JetBlue Business

Annual fee
$99
Network
mastercard
Welcome value
$650
Min spend
$1,000 / 3mo

Top earning rates

  • 6×JetBlue purchases · JetBlue TrueBlue
  • 2×restaurants · JetBlue TrueBlue
  • 2×office supply stores · JetBlue TrueBlue
  • 1×all other purchases · JetBlue TrueBlue

Key benefits

  • Mosaic Status via Spend · $400
  • Free First Checked Bag · $140
  • $100 JetBlue Vacations Credit · $100
  • 10% Points Rebate · $65
  • No Foreign Transaction Fees · $50
Full Barclays JetBlue Business 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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