Capital One Venture X Rewards Citi Strata Elite
Capital One Venture X Rewards
$395/yr
Citi Strata Elite
$595/yr
Every $1 · two cards
Capital One Venture X Rewards earns more in 5 of 9 categories · Citi Strata Elite in 3
- Dining2×3.6¢ per $13×5.7¢ per $1
- Groceries2×3.6¢ per $11.5×2.85¢ per $1
- Gas2×3.6¢ per $11.5×2.85¢ per $1
- Flights5×9¢ per $1
via Capital One Travel
6×11.4¢ per $1via Citi Travel
- Hotels10×18¢ per $1
via Capital One Travel
12×22.8¢ per $1via Citi Travel
- Everything else2×3.6¢ per $11.5×2.85¢ 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
Capital One
Venture X Rewards
- Annual fee
- $395
- Network
- visa
- Welcome value
- $750
- Min spend
- $4,000 / 3mo
Top earning rates
- 10×Hotels & rental cars · Capital One Miles
- 5×Flights and vacation rentals · Capital One Miles
- 5×Capital One Entertainment purchases · Capital One Miles
- 2×All other purchases · Capital One Miles
Key benefits
- $300 annual Capital One Travel credit · $300
- Global Entry or TSA PreCheck credit · $120
- Premier Collection Vacation Rental Experience Credit · $100
- Premier Collection Hotel Experience Credit · $100
- Lifestyle Collection Vacation Rental Experience Credit · $50
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
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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