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All comparisons
Head-to-head, 2026

Barclays Wyndham Rewards Earner Plus 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 Plus

Annual fee
$75
Network
mastercard
Welcome value
—
Min spend
$1,000 / 3mo

Top earning rates

  • 6×Eligible purchases made at Hotels by Wyndham including Wyndham Travel Bundles
  • 4×Eligible dining, grocery store purchases (excluding Target® and Walmart®) and travel purchases
  • 1×All other purchases

Key benefits

  • Cardmember booking discount · $0
  • Points Payback statement-credit redemption · $0
  • National Emerald Club Executive status · $0
  • No Foreign Transaction Fees · $0
  • Wyndham Diamond status, then Platinum · $0
Full Barclays Wyndham Rewards Earner Plus 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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