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All comparisons
Head-to-head, 2026

Citi Strata Premier Luxury Card Mastercard Black Card

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

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

Luxury Card

Mastercard Black Card

Annual fee
$699
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 2×Airfare · Luxury Card Rewards
  • 2×Hotels · Luxury Card Rewards
  • 1×All other purchases · Luxury Card Rewards

Key benefits

  • Luxury Card Travel Hotel Benefits · $750
  • Concierge Service · $250
  • $200 Annual Airline Credit · $200
  • Global Entry or TSA PreCheck Application Credit · $120
  • $100 Annual Dining Credit · $100
Full Luxury Card Mastercard Black Card 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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