Card database → Citi Strata Premier® Card vs Hawaiian Airlines Bank of Hawaii World Elite Mastercard
Citi Strata Premier® Card vs Hawaiian Airlines Bank of Hawaii World Elite Mastercard
Printed earn rates valued in cents per dollar, side by side — the same math the Credit Upside engine runs on every charge. Card data verified 2026-09-03.
| Category | Citi Strata Premier® Card | Hawaiian Airlines Bank of Hawaii World Elite Mastercard |
|---|---|---|
| Dining | 3.3¢/$ (3x) | 2.8¢/$ (2x) |
| Groceries | 3.3¢/$ (3x) | 2.8¢/$ (2x) |
| Gas | 3.3¢/$ (3x) | 2.8¢/$ (2x) |
| Travel | 1.1¢/$ (1x) | 1.4¢/$ (1x) |
| Flights | 3.3¢/$ (3x) | 1.4¢/$ (1x) 3x at Hawaiian Airlines only — not counted |
| Hotels | 1.1¢/$ (1x) | 1.4¢/$ (1x) |
| Streaming | 1.1¢/$ (1x) | 1.4¢/$ (1x) |
| Online retail | 1.1¢/$ (1x) | 1.4¢/$ (1x) |
| Issuer travel portal | 11.0¢/$ (10x) | 1.4¢/$ (1x) |
| Everything else | 1.1¢/$ (1x) | 1.4¢/$ (1x) |
| Annual fee | $95 | $99 |
| Statement credits (max/yr) | $130 | — |
| Foreign transaction fee | None | None |
| Signup bonus | 60,000 after $4,000/3mo | — |
| Offer last confirmed | 2026-09-14 | — |
These two split the categories evenly — the winner depends entirely on where YOUR money goes.
Point values are Credit Upside's maintained mid-range estimates (Citi ThankYou points at 1.10¢, Alaska miles at 1.40¢). Caps, rotating categories and credit usage change the real answer — the app applies all of them to your actual statement.
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