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All comparisons
Head-to-head, 2026

Capital One Venture X Rewards Citi Strata Premier

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Citi Strata Premier

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
  • 5×Flights and vacation rentals
  • 5×Capital One Entertainment purchases
  • 2×All other purchases

Key benefits

  • $300 annual Capital One Travel credit · $300
  • Complimentary PRIOR subscription · $149
  • Global Entry or TSA PreCheck credit · $120
  • Premier Collection hotel experience credit · $100
  • Premier Collection vacation rental experience credit · $100
Full Capital One Venture X Rewards review

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
—
Min spend
$4,000 / 3mo

Top earning rates

  • 3×Air travel and other hotel purchases · ThankYou Points
  • 3×Restaurants · ThankYou Points
  • 3×Supermarkets · ThankYou Points
  • 3×Gas and EV charging stations · ThankYou Points

Key benefits

  • $100 Annual Hotel Benefit · $100
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
  • The Reserve by Citi Travel Hotel Benefits · $0
  • Trip Cancellation and Interruption Insurance · $0
Full Citi Strata Premier 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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