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All comparisons
Head-to-head, 2026

Barclays Wyndham Rewards Earner Business Card 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

Wyndham Rewards Earner Business Card

Annual fee
$149
Network
mastercard
Welcome value
—
Min spend
$3,500 / 6mo

Top earning rates

  • 8×Hotels · Wyndham Rewards
  • 5×Travel · Wyndham Rewards
  • 5×Gas · Wyndham Rewards
  • 5×Ev charging · Wyndham Rewards

Key benefits

  • $65 Annual Wholesale Statement Credit · $65
  • $50 Annual Accounting Software Statement Credit · $50
  • No Foreign Transaction Fees · $0
  • 20% Discount on Free Night Redemptions · $0
  • Wyndham Rewards DIAMOND Status · $0
Full Barclays Wyndham Rewards Earner Business Card 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.

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