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All comparisons
Head-to-head, 2026

Barclays Wyndham Rewards Earner Premier 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 Premier Card

Annual fee
$395
Network
mastercard
Welcome value
—
Min spend
$6,750 / 6mo

Top earning rates

  • 8×Participating Hotels by Wyndham · Wyndham Rewards
  • 4×Wyndham Destinations · Wyndham Rewards
  • 4×Dining · Wyndham Rewards
  • 4×Grocery stores · Wyndham Rewards

Key benefits

  • Global Entry or TSA PreCheck® Application Fee Credit · $120
  • $100 Annual Streaming Credit · $100
  • $100 Annual Credit for Eligible Hotel Purchases · $100
  • Complimentary Wyndham Rewards Insider Subscription ($95/Year Value) · $95
  • $65 Annual Wholesale Statement Credit · $65
Full Barclays Wyndham Rewards Earner Premier 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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