Perqt AI Wallet logo
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 Premier

Barclays

JetBlue Business

Annual fee
$99
Network
mastercard
Welcome value
~$675
Min spend
$4,000 / 3mo

Top earning rates

  • 6×Eligible JetBlue purchases · TrueBlue
  • 2×Restaurants and office supply stores · TrueBlue
  • 1×All other purchases · TrueBlue

Key benefits

  • Free first checked bag · $140
  • JetBlue Vacations statement credit · $100
  • $0 Fraud Liability · $0
  • 50% inflight savings · $0
  • Group 3 boarding · $0
Full Barclays JetBlue Business review

Citi

Strata Premier

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

Top earning rates

  • 3×Air travel and other hotel purchases · ThankYou Points
  • 3×Restaurants · ThankYou Points
  • 3×Supermarkets · ThankYou Points
  • 3×Gas and EV charging stations · ThankYou Points

Key benefits

  • $100 Annual Hotel Benefit · $100
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
  • The Reserve by Citi Travel Hotel Benefits · $0
  • Trip Cancellation and Interruption Insurance · $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.

Get my personal answer