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All comparisons
Head-to-head, 2026

Barclays Miles & More 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 Premier

Barclays

Miles & More World Elite Mastercard

Annual fee
$5
Network
mastercard
Welcome value
~$910
Min spend
$4,000 / 3mo

Top earning rates

  • 2×Flights · Miles & More
  • 1×All other purchases · Miles & More

Key benefits

  • Annual Companion Ticket · $400
  • No foreign transaction fees · $0
  • Auto rental collision insurance · $0
  • Two Lufthansa Business Lounge vouchers · $0
  • Miles & More status conversion · $0
Full Barclays Miles & More World Elite Mastercard 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
  • 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.

Get my personal answer