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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 PremierBigger welcome offer: Citi Strata Premier

Barclays

Miles & More World Elite Mastercard

Annual fee
$89
Network
mastercard
Welcome value
~$910
Min spend
$4,000 / 3mo

Top earning rates

  • 2×Tickets purchased directly from eligible Miles & More integrated airline partners
  • 1×All other purchases · Miles & More

Key benefits

  • Two Lufthansa Business Lounge vouchers · $0
  • Miles & More status conversion · $0
  • No Foreign Transaction Fees · $0
  • Annual Companion Ticket · $0
Full Barclays Miles & More World Elite Mastercard review

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
~$1,140
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.

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