Capital One Savor Cash Rewards Credit Card vs Citi Strata Credit Card
Both cards cost $0/yr. The Capital One Savor Cash Rewards Credit Card leads on dining; the Citi Strata Credit Card on hotels.
Card data as of November 13, 2026.
Capital One Savor Cash Rewards Credit CardCapital One · No annual fee
Citi Strata Credit CardCiti · No annual fee
Overview
- Annual fee
- Capital One Savor Cash Rewards Credit Card$0Citi Strata Credit Card$0
- Welcome offerCurrent public offer
- Capital One Savor Cash Rewards Credit Card$200 cash backCiti Strata Credit Card20,000 points
- Rewards
- Capital One Savor Cash Rewards Credit CardCash backCiti Strata Credit CardCiti ThankYou Rewards
- Foreign transaction fee
- Capital One Savor Cash Rewards Credit CardNoneLowestCiti Strata Credit Card3%
- Network
- Capital One Savor Cash Rewards Credit CardMastercard World EliteCiti Strata Credit CardMastercard
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Beauty
- Capital One Savor Cash Rewards Credit Card1%Citi Strata Credit Card3x
- Dining
- Capital One Savor Cash Rewards Credit Card3%Citi Strata Credit Card2x
- Electric Vehicle Charging
- Capital One Savor Cash Rewards Credit Card1%Citi Strata Credit Card3x
- Entertainment
- Capital One Savor Cash Rewards Credit Card3%Citi Strata Credit Card1x
- Fitness
- Capital One Savor Cash Rewards Credit Card1%Citi Strata Credit Card3x
- Gas Stations
- Capital One Savor Cash Rewards Credit Card1%Citi Strata Credit Card3x
- Grocery Stores
- Capital One Savor Cash Rewards Credit Card3%Citi Strata Credit Card3x
- Live Entertainment
- Capital One Savor Cash Rewards Credit Card1%Citi Strata Credit Card3x
- Pet
- Capital One Savor Cash Rewards Credit Card1%Citi Strata Credit Card3x
- Streaming
- Capital One Savor Cash Rewards Credit Card3%Citi Strata Credit Card3x
- Top Spend Category
- Capital One Savor Cash Rewards Credit Card1%Citi Strata Credit Card3x
- Transit
- Capital One Savor Cash Rewards Credit Card1%Citi Strata Credit Card3x
- Everything else
- Capital One Savor Cash Rewards Credit Card1%Citi Strata Credit Card1x
Perks & access— means none on record
- Other perks
- Capital One Savor Cash Rewards Credit Card
- Capital One Dining
- Complimentary Concierge Service
Citi Strata Credit Card- Citi Entertainment
- Points transfer
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One Savor Cash Rewards Credit Card
- Travel accident insurance
Citi Strata Credit Card— - Purchase & returns
- Capital One Savor Cash Rewards Credit Card—Citi Strata Credit Card
- Mastercard® ID Theft Protection
- Zero Liability on unauthorized transactions
- Purchase Protection up to $1,000 per claim
- Extended warranty
- Capital One Savor Cash Rewards Credit Card
- Extended warranty
Citi Strata Credit Card— - Other protections
- Capital One Savor Cash Rewards Credit Card
- Credit monitoring
Citi Strata Credit Card- Citi Travel®
- FICO score monitoring
- 24/7 lost/stolen card assistance worldwide
Pros & cons
- Pros
- Capital One Savor Cash Rewards Credit Card
- No annual fee for a card with 3% back on dining and entertainment
- 3% cash back at restaurants on a card with no annual fee
- 3% on entertainment covers streaming, concerts, movies, and more
- 3% at grocery stores provides solid everyday value
- 8% back on Capital One Entertainment purchases is exceptional
Citi Strata Credit Card- No annual fee
- 20,000 point welcome bonus
- 5X points on travel booked via Citi Travel
- 3X points on groceries, transit, gas, and Self-Select category
- Self-Select category flexibility (change quarterly)
- Cons
- Capital One Savor Cash Rewards Credit Card
- Only 1% cash back on purchases outside bonus categories
- No travel-specific benefits like lounge access or trip insurance
- Cash back only - no transfer partners for travel redemptions
- Grocery bonus typically excludes warehouse clubs like Costco
Citi Strata Credit Card- 3% foreign transaction fee
- 5X rate requires booking through Citi Travel portal
- Self-Select category can only change quarterly
- Lower transfer value compared to premium ThankYou cards
Expert Analysis
The Capital One Savor Cash Rewards Credit Card and Citi Strata Credit Card are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.
The Capital One Savor Cash Rewards Credit Card's strongest category is Dining at 4X, while the Citi Strata Credit Card leads with 3X on Grocery Stores. Overall, the Citi Strata Credit Card wins in more bonus categories (7 vs 2) — so the better choice depends on where you spend the most.
Both cards carry a $0/yr annual fee, so the decision comes down purely to rewards structure and benefits — there's no fee math to worry about.
Key Differences
- Capital One Savor Cash Rewards Credit Card earns 4X on Dining vs 2X for the other
- Capital One Savor Cash Rewards Credit Card earns 4X on Entertainment vs 1X for the other
- Citi Strata Credit Card earns 3X on Gas Stations vs 1X for the other
Spending Scenarios
Which card wins in real-world spending situations?
$400/month on dining
Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit Card earns 4X vs 2X. Over a year, that's 19,200 vs 9,600 points — a 9,600-point advantage.
$100/month on entertainment
Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit Card earns 4X vs 1X. Over a year, that's 4,800 vs 1,200 points — a 3,600-point advantage.
$150/month on gas stations
Citi Strata Credit CardCiti Strata Credit Card earns 3X vs 1X. Over a year, that's 5,400 vs 1,800 points — a 3,600-point advantage.
$100/month on transit
Citi Strata Credit CardCiti Strata Credit Card earns 3X vs 1X. Over a year, that's 3,600 vs 1,200 points — a 2,400-point advantage.
Who Should Get Which?
Get the Capital One Savor Cash Rewards Credit Card if:
The Capital One Savor Cash Rewards Credit Card is ideal for cardholders who prioritize spending heavily on dining and entertainment. At $0/yr, it delivers strong no-fee value for its target audience.
Get the Citi Strata Credit Card if:
The Citi Strata Credit Card is ideal for cardholders who prioritize spending heavily on gas stations and transit. At $0/yr, it delivers strong no-fee value for its target audience.
Upgrade & Downgrade Path
These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.
Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.
Category-by-Category Winner
The Citi Strata Credit Card wins in 3 of 5 categories. The Capital One Savor Cash Rewards Credit Card leads in 2. 8 more categories depend on booking channel or caps.
Dining
Capital One Savor Cash Rewards Credit Card earns 3X vs 2X
Entertainment
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
Hotels
Depends: via issuer travel portal
Citi Strata Credit Card earns 5X when conditions are met; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)
Car Rentals
Depends: via issuer travel portal
Citi Strata Credit Card earns 5X when conditions are met; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)
Attractions
Depends: via issuer travel portal
Citi Strata Credit Card earns 5X when conditions are met; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)
Gas Stations
Citi Strata Credit Card earns 3X vs 1X
Electric Vehicle Charging
Citi Strata Credit Card earns 3X vs 1X
Transit
Citi Strata Credit Card earns 3X vs 1X
Top Spend Category
Depends: Must select category at citi.com/selfselect
Citi Strata Credit Card earns 3X when conditions are met; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)
Beauty
Depends: 3X applies only if cosmetic stores/barber shops/hair salons is chosen as the one Self-Select Category (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores), changeable once each calendar quarter; the default is Select Streaming Services.
Citi Strata Credit Card earns 3X when conditions are met; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)
Fitness
Depends: 3X applies only if fitness clubs is chosen as the one Self-Select Category (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores), changeable once each calendar quarter; the default is Select Streaming Services.
Citi Strata Credit Card earns 3X when conditions are met; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)
Live Entertainment
Depends: 3X applies only if live entertainment is chosen as the one Self-Select Category (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores), changeable once each calendar quarter; the default is Select Streaming Services.
Citi Strata Credit Card earns 3X when conditions are met; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)
Pet
Depends: 3X applies only if pet supply stores is chosen as the one Self-Select Category (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores), changeable once each calendar quarter; the default is Select Streaming Services.
Citi Strata Credit Card earns 3X when conditions are met; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Citi Strata Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Capital One Savor Cash Rewards Credit Card | Citi Strata Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $192 Year one: $392 | Rewards: $337 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $337 Year one: $677 | Citi Strata Credit Card | Citi Strata Credit Card |
| Heavy spender: $4,000/month | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $968 | Rewards: $1,346 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,346 Year one: $1,686 | Citi Strata Credit Card | Citi Strata Credit Card |
The Bottom Line
Both scenarios favor the Citi Strata Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Capital One Savor Cash Rewards Credit Card or Citi Strata Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Capital One Savor Cash Rewards Credit Card or the Citi Strata Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.