Capital One Venture vs Citi Strata Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Venture wins 2-0. Simple travel earn, 2x on every dollar, no categories to track Citi Strata Premier is still the right call if mid-tier travel card; 10x is citi travel portal-only, 3x on everyday travel and dining..
Side-by-side
| Criterion | Capital One Venture | Citi Strata Premier |
|---|---|---|
| Annual fee | = $95 | = $95 |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 3% (travel) |
| Base reward rate | 2% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 75,000 miles after $4,000 in first 3 months (~$750 in travel) | = 75,000 ThankYou points after $4,000 spend in 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = None stated | = None stated |
| Min credit score | = 700 | = 700 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Capital One Venture
- 2x miles on every purchase
- 5x miles on hotels and rental cars booked via Capital One Travel
- Up to $100 credit for Global Entry/TSA PreCheck
- Transfer miles to 15+ airline/hotel partners
- No foreign transaction fees
- Two complimentary visits/year to Capital One Lounges
Citi Strata Premier
- 10x on hotels, car rentals, and attractions booked through the Citi Travel portal only
- 3x on air travel and other hotels, restaurants, supermarkets, and gas
- 1x on everything else
- $100 hotel benefit on $500+ Citi Travel hotel bookings
- Transfer to 16 airline + hotel partners
FAQ
›Capital One Venture vs Citi Strata Premier: which is better?
Capital One Venture wins on more dimensions (2 vs 0). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Capital One Venture for its best categories, Citi Strata Premier for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Venture: 75,000 miles after $4,000 in first 3 months (~$750 in travel). Citi Strata Premier: 75,000 ThankYou points after $4,000 spend in 3 months.