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All comparisons
Head-to-head, 2026

Citi Strata Premier HSBC Premier World Mastercard

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

Bigger welcome offer: HSBC Premier World Mastercard

Citi

Strata Premier

Annual fee
$95
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×car rentals · Citi ThankYou Points
  • 10×attractions · Citi ThankYou Points
  • 10×hotels · Citi ThankYou Points
  • 3×hotels · Citi ThankYou Points

Key benefits

  • Points Transfer to Partners · $150
  • $200 Annual Hotel Benefit · $100
  • Travel Protection Benefits · $50
  • No Foreign Transaction Fees · $30
  • Citi Entertainment® · $20
Full Citi Strata Premier review

HSBC

Premier World Mastercard

Annual fee
$95
Network
mastercard
Welcome value
$625
Min spend
$4,000 / 3mo

Top earning rates

  • 2×travel · HSBC Reward Points
  • 1×all other purchases · HSBC Reward Points

Key benefits

  • 3x Points on Gas and Groceries · $252
  • Rewards for Miles Transfer · $200
  • 1x Points on All Other Purchases · $136
  • Cellular Wireless Telephone Protection · $100
  • Agoda Hotel Discount · $100
Full HSBC Premier World Mastercard 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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