Capital One Savor Student Cash Rewards Credit Card vs Citi Strata℠ Card

Capital One Savor Student Cash Rewards Credit CardCapital One Savor Student Cash Rewards Credit Card

Capital One

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Citi Strata℠ CardCiti Strata℠ Card

Citi

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
ThankYou Points
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$50 after you spend $100 in the first 3 months
20,000 ThankYou Points after $1,000 in 90 days

Effective return by category

CategoryCapital One Savor Student Cash Rewards Credit CardCiti Strata℠ Card
Card Travel Portals5.00%
5x
5.00%
5x
Groceries3.00%
3x
3.00%
3x
EV Charging1.00%
1x
3.00%
3x
Gas Stations1.00%
1x
3.00%
3x
Dining & Restaurants3.00%
3x
2.00%
2x
Rideshare & Transit1.00%
1x
3.00%
3x
Gym & Fitness1.00%
1x
3.00%
3x
Streaming3.00%
3x
3.00%
3x
Entertainment3.00%
3x
3.00%
3x
Everything else1.00%
1x
1.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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