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All comparisons
Head-to-head, 2026

Citi Strata Premier Luxury Card Mastercard Titanium 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
$95
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Hotels, Car Rentals and Attractions · ThankYou Rewards
  • 3×Air Travel and Other Hotel Purchases · ThankYou Rewards
  • 3×Restaurants · ThankYou Rewards
  • 3×Supermarkets · ThankYou Rewards

Key benefits

  • $100 Annual Hotel Benefit · $100
  • No Authorized User Fee · $0
  • Mastercard ID Theft Protection · $0
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
Full Citi Strata Premier review

Luxury Card

Mastercard Titanium Card

Annual fee
$299
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 2×Airfare · Luxury Card Rewards
  • 2×Hotels · Luxury Card Rewards

Key benefits

  • Luxury Card Travel Hotel Benefits · $750
  • Concierge Service · $250
  • Lyft Monthly Credit · $5
  • Peacock Monthly Discount · $3
  • Mastercard ID Theft Protection · $0
Full Luxury Card Mastercard Titanium 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.

Get my personal answer