Head to head

Capital One Venture X Rewards Credit Card vs. Citi Strata Premier Card

On the criteria below, Citi Strata Premier Card wins 2 of 4. The verdict depends on which criteria matter to you.

Capital One Venture X Rewards Credit Card

Capital One

Citi

At a glance

Citi Strata Premier Card wins 2 of 4 criteria here, making it the stronger all-rounder.

Capital One Venture X Rewards Credit Card wins on lounge access; Citi Strata Premier Card wins on first-year math and annual fee.

Pick the Citi Strata Premier Card if year-one math is your priority; take the Citi Strata Premier Card if you want a cheaper card to keep long-term.

1 vs 2 (1 tie)

First-year math Citi Strata Premier Card

Citi Strata Premier Card wins on bonus value minus annual fee.
Annual fee Citi Strata Premier Card

Citi Strata Premier Card is $300 cheaper to keep.
Earning ceiling Tie

Same peak earning rate.
Lounge access Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card includes lounge access; the other doesn't.

Annual fee: $395; $95
Welcome offer (typical value): $1,125; $900
First-year net: +$730; +$805
Peak earning rate: 10×; 10×
Top categories: Hotels Via Portal, Flights Via Portal; Travel, Travel, Dining
Lounge access: capital-one-lounge, priority-pass; No
Travel insurance: Yes; Yes
Elite status: Yes; No
Foreign transaction fee: None; None
Reward currency: Capital One Miles; Citi ThankYou Points

Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.