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All comparisons
Head-to-head, 2026

Citi AAdvantage Globe Mastercard Citi Strata Elite

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Citi AAdvantage Globe Mastercard

Citi

AAdvantage Globe Mastercard

Annual fee
$350
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 2×American Airlines purchases · AAdvantage
  • 1×all other purchases · AAdvantage

Key benefits

  • American Airlines Companion Certificate · $400
  • Four Admirals Club Globe passes · $300
  • 1X Base Earning Rate · $250
  • 6X on AAdvantage Hotels · $180
  • Flight Streak™ Bonus · $150
Full Citi AAdvantage Globe Mastercard review

Citi

Strata Elite

Annual fee
$595
Network
mastercard
Welcome value
$750
Min spend
$6,000 / 3mo

Top earning rates

  • 12×hotels · Citi ThankYou Points
  • 12×car rentals · Citi ThankYou Points
  • 6×flights · Citi ThankYou Points
  • 6×dining · Citi ThankYou Points

Key benefits

  • Citigold Private Client Relationship Credit · $595
  • $300 Annual Travel Credit · $300
  • Annual Hotel Benefit · $300
  • Priority Pass Select Membership · $250
  • Annual Splurge Credit · $200
Full Citi Strata Elite 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