All comparisons
Head-to-head, 2026
Capital One Venture Business Citi Strata Premier
Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.
Capital One
Venture Business
- Annual fee
- $95
- Network
- visa
- Welcome value
- —
- Min spend
- —
Top earning rates
- 5×hotels · Capital One Miles
- 5×car rentals · Capital One Miles
- 5×vacation rentals · Capital One Miles
- 2×all other purchases · Capital One Miles
Key benefits
- 2x Miles on all purchases · $500
- Global Entry / TSA PreCheck Credit · $120
- 5x Miles on Hotels & Rental Cars · $100
- Mile Transfers to Partners · $100
- No Foreign Transaction Fees · $90
Citi
Strata Premier
- Annual fee
- $95
- Network
- mastercard
- Welcome value
- $600
- Min spend
- $4,000 / 3mo
Top earning rates
- 10×car rentals · Citi ThankYou Points
- 10×attractions · Citi ThankYou Points
- 10×hotels · Citi ThankYou Points
- 3×hotels · Citi ThankYou Points
Key benefits
- Points Transfer to Partners · $150
- $200 Annual Hotel Benefit · $100
- Travel Protection Benefits · $50
- No Foreign Transaction Fees · $30
- Citi Entertainment® · $20
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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