Card comparison

Citi Strata Premier vs Capital One Venture X

ThankYou Points vs Capital One Miles

Verified July 2026

TL;DR — quick verdict

The Citi Strata Premier ($95) undercuts the Capital One Venture X ($395) on annual fee. Pick the Citi Strata Premier for everyday restaurants spending (3x); pick the Capital One Venture X for everyday Hotels and rental cars via Capital One Travel spending (10x).

At a Glance

Citi Strata Premier Card

Annual Fee
$95
Signup Bonus
75,000 points
Network
Mastercard
Points Currency
ThankYou Points
Earning Rates
Restaurants 3x
Supermarkets 3x
Everything Else 1x
Gas Ev Charging 3x
Air Hotel Travel 3x

Capital One Venture X Rewards

Annual Fee
$395
Signup Bonus
75,000 points
Network
Visa
Points Currency
Capital One Miles
Earning Rates
All Purchases 2x
Flights Via Capital One Travel 5x
Hotels And Rental Cars Via Capital One Travel 10x

Category Breakdown

How they compare across key categories

Annual Fee

Citi Strata Premier wins

Citi Strata Premier $95 vs Capital One Venture X $395

=

Welcome Bonus

Tie

Citi Strata Premier: 75,000 points after $4,000 in 3 months vs Capital One Venture X: 75,000 points after $4,000 in 3 months

Top Earning Rate

Capital One Venture X wins

Citi Strata Premier: 3x on restaurants vs Capital One Venture X: 10x on Hotels and rental cars via Capital One Travel

=

Perks & Credits

Tie

Citi Strata Premier: 2 listed benefits vs Capital One Venture X: 2 listed benefits

=

Transfer Partners

Tie

Citi Strata Premier: 14+ airline and hotel partners vs Capital One Venture X: 15+ airline and hotel partners

Perks & Benefits

Citi Strata Premier

  • $100 annual hotel credit (single stay $500+)
  • No foreign transaction fees

Capital One Venture X Rewards

  • Capital One Travel credit ($300)
  • Anniversary bonus miles ($100)

Which Is Right for You?

Get the Citi Strata Premier if...

  • Lower $95 annual fee
  • Earns 3x on restaurants
  • Earns 3x on supermarkets
  • $100 annual hotel credit (single stay $500+)

Get the Capital One Venture X if...

  • Premium benefits to offset the $395 fee
  • Earns 10x on Hotels and rental cars via Capital One Travel
  • Earns 5x on Flights via Capital One Travel
  • Capital One Travel credit ($300)

Related Resources

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Frequently Asked Questions

Is the Citi Strata Premier or Capital One Venture X better?

The Citi Strata Premier ($95) undercuts the Capital One Venture X ($395) on annual fee. Pick the Citi Strata Premier for everyday restaurants spending (3x); pick the Capital One Venture X for everyday Hotels and rental cars via Capital One Travel spending (10x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.

Which has the lower annual fee, the Citi Strata Premier or Capital One Venture X?

The Citi Strata Premier has the lower annual fee at $95, versus $395 for the Capital One Venture X.

Which card earns points faster?

The Citi Strata Premier earns up to 3x on restaurants, while the Capital One Venture X earns up to 10x on Hotels and rental cars via Capital One Travel.

Can I have both the Citi Strata Premier and the Capital One Venture X?

Yes. They're issued independently, so you can hold both and earn ThankYou Points and Capital One Miles side by side.

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