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All comparisons
Head-to-head, 2026

Capital One Venture Rewards Citi Strata Elite

Capital One Venture Rewards

$95/yr

Venture Rewards
Strata Elite

Citi Strata Elite

$595/yr

Every $1 · two cards

Capital One Venture Rewards earns more in 5 of 9 categories · Citi Strata Elite in 3

  • Dining
    2×3.6¢ per $1
    3×5.7¢ per $1
  • Groceries
    2×3.6¢ per $1
    1.5×2.85¢ per $1
  • Gas
    2×3.6¢ per $1
    1.5×2.85¢ per $1
  • Flights
    2×3.6¢ per $1
    6×11.4¢ per $1

    via Citi Travel

  • Hotels
    5×9¢ per $1

    via Capital One Travel

    12×22.8¢ per $1

    via Citi Travel

  • Everything else
    2×3.6¢ per $1
    1.5×2.85¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Capital One Venture RewardsBigger welcome offer: Citi Strata Elite

Capital One

Venture Rewards

Annual fee
$95
Network
visa
Welcome value
$1,050
Min spend
$4,000 / 3mo

Top earning rates

  • 5×Hotels, vacation rentals, and rental cars · Capital One Miles
  • 5×Capital One Entertainment purchases · Capital One Miles
  • 2×Every purchase · Capital One Miles

Key benefits

  • Global Entry or TSA PreCheck credit · $120
  • $50 Lifestyle Collection experience credit · $50
  • Capital One Offers · $0
  • Capital One Entertainment access · $0
  • No Foreign Transaction Fees · $0
Full Capital One Venture Rewards review

Citi

Strata Elite

Annual fee
$595
Network
mastercard
Welcome value
~$1,425
Min spend
$6,000 / 3mo

Top earning rates

  • 12×Hotels, Car Rentals, and Attractions · ThankYou® Rewards
  • 6×Air Travel · ThankYou® Rewards
  • 6×Restaurants on Citi Nights® purchases · ThankYou® Rewards
  • 3×Restaurants any other time · ThankYou® Rewards

Key benefits

  • Citigold Private Client Relationship Credit · $595
  • Up to $300 Annual Hotel Benefit · $300
  • $200 Annual Splurge Credit · $200
  • Citigold Relationship Credit · $145
  • Global Entry or TSA PreCheck Credit · $120
Full Citi Strata Elite 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.

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