Capital One Venture Rewards Credit Card vs Citi Strata Premier℠ Card

Capital One Venture Rewards Credit CardCapital One Venture Rewards Credit Card

Capital One

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Citi Strata Premier℠ CardCiti Strata Premier℠ Card

Citi

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Annual Fee
$95
$95
Card Type
Personal
Personal
Rewards Currency
Capital One Miles
ThankYou Points
Point Value
1.85¢/pt
1.90¢/pt
Base Earn Rate
2x
1x
Welcome Bonus
75,000 Capital One Miles after $4,000 in 90 days
60,000 ThankYou Points after $4,000 in 90 days

Effective return by category

CategoryCapital One Venture Rewards Credit CardCiti Strata Premier℠ Card
Card Travel Portals9.25%
5x
19.00%
10x
Airfare3.70%
2x
5.70%
3x
Hotels & Lodging3.70%
2x
5.70%
3x
Dining & Restaurants3.70%
2x
5.70%
3x
Groceries3.70%
2x
5.70%
3x
Gas Stations3.70%
2x
5.70%
3x
EV Charging3.70%
2x
5.70%
3x
Everything else3.70%
2x
1.90%
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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