Capital One Savor Cash Rewards Credit Card vs Citi Strata Credit Card

Network

Key Benefits

Pros

• +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

• +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

• −Only 1% cash back on purchases outside bonus categories
• −Foreign transaction fees apply on international purchases
• −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

• −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