SavorOne Rewards from Capital One vs Citi Strata Credit Card
Annual fees: SavorOne Rewards from Capital One $39/yr, Citi Strata Credit Card $0/yr. Strongest bonus categories: SavorOne Rewards from Capital One on hotels, Citi Strata Credit Card on hotels.
Card data as of November 13, 2026.
SavorOne Rewards from Capital OneCapital One · $39/yr
Citi Strata Credit CardCiti · No annual fee
Overview
- Annual fee
- SavorOne Rewards from Capital One$39Citi Strata Credit Card$0Lowest
- Welcome offerCurrent public offer
- SavorOne Rewards from Capital One—Citi Strata Credit Card20,000 points
- Rewards
- SavorOne Rewards from Capital OneCash backCiti Strata Credit CardCiti ThankYou Rewards
- Foreign transaction fee
- SavorOne Rewards from Capital OneNoneLowestCiti Strata Credit Card3%
- Network
- SavorOne Rewards from Capital OneMastercard World EliteCiti Strata Credit CardMastercard
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Beauty
- SavorOne Rewards from Capital One1%Citi Strata Credit Card3x
- Dining
- SavorOne Rewards from Capital One3%Citi Strata Credit Card2x
- Electric Vehicle Charging
- SavorOne Rewards from Capital One1%Citi Strata Credit Card3x
- Entertainment
- SavorOne Rewards from Capital One3%Citi Strata Credit Card1x
- Fitness
- SavorOne Rewards from Capital One1%Citi Strata Credit Card3x
- Gas Stations
- SavorOne Rewards from Capital One1%Citi Strata Credit Card3x
- Grocery Stores
- SavorOne Rewards from Capital One3%Citi Strata Credit Card3x
- Live Entertainment
- SavorOne Rewards from Capital One1%Citi Strata Credit Card3x
- Pet
- SavorOne Rewards from Capital One1%Citi Strata Credit Card3x
- Streaming
- SavorOne Rewards from Capital One3%Citi Strata Credit Card3x
- Top Spend Category
- SavorOne Rewards from Capital One1%Citi Strata Credit Card3x
- Transit
- SavorOne Rewards from Capital One1%Citi Strata Credit Card3x
- Everything else
- SavorOne Rewards from Capital One1%Citi Strata Credit Card1x
Perks & access— means none on record
- Other perks
- SavorOne Rewards from Capital One
- Free Concierge Service 24 Hours a Day Year Round
- Get 50% Off All Handcrafted Beverages at Capital One Cafes
- Exclusive Capital One Dining Access to Award Winning
- Exclusive Capital One Entertainment Access with Early Ticket
- Zero Foreign Transaction Fees on All International Purchases
- Around the Clock 24 Hour Travel Help
Citi Strata Credit Card- Citi Entertainment
- Points transfer
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- SavorOne Rewards from Capital One
- Travel Accident Cover at No Extra Charge
Citi Strata Credit Card— - Purchase & returns
- SavorOne Rewards from Capital One—Citi Strata Credit Card
- Mastercard® ID Theft Protection
- Zero Liability on unauthorized transactions
- Purchase Protection up to $1,000 per claim
- Extended warranty
- SavorOne Rewards from Capital One
- Extended Warranty Cover at No Charge on Eligible Purchases
Citi Strata Credit Card— - Other protections
- SavorOne Rewards from Capital One
- Credit monitoring
- Zero Dollar Fraud Liability Cover on All Unauthorized
- Virtual Card Numbers from Eno for Secure Online Shopping
Citi Strata Credit Card- Citi Travel®
- FICO score monitoring
- 24/7 lost/stolen card assistance worldwide
Pros & cons
- Pros
- SavorOne Rewards from Capital One
- 3% cash back on popular categories for a $39 annual fee
- 3% back on dining, groceries, entertainment, and streaming services
- 8% cash back on Capital One Entertainment ticket purchases
- 5% cash back on hotels, vacation rentals and rental cars via Capital One Travel
- No foreign transaction fees for international spending
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
- SavorOne Rewards from Capital One
- Grocery exclusions for Walmart, Target, and warehouse clubs
- 1% base rate on non-bonus categories is below average
- $39 annual fee, no welcome bonus and no intro APR
- 29.24% variable purchase APR
- No travel benefits or lounge access
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 Citi Strata Credit Card and Savor Rewards from Capital One 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 Citi Strata Credit Card's strongest category is Grocery Stores at 3X, while the Savor Rewards from Capital One leads with 3X on Dining. 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
- Citi Strata Credit Card earns 3X on Gas Stations vs 1X for the other
- Citi Strata Credit Card earns 3X on Transit vs 1X for the other
- Citi Strata Credit Card earns 3X on Self Select vs 1X for the other
Spending Scenarios
Which card wins in real-world spending situations?
$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.
$400/month on dining
SavorOne Rewards from Capital OneSavor Rewards from Capital One earns 3X vs 2X. Over a year, that's 14,400 vs 9,600 points — a 4,800-point advantage.
$100/month on entertainment
SavorOne Rewards from Capital OneSavor Rewards from Capital One 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 SavorOne Rewards from Capital One if:
The Savor Rewards from Capital One 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 SavorOne Rewards from Capital One leads in 2. 7 more categories depend on booking channel or caps.
Dining
SavorOne Rewards from Capital One earns 3X vs 2X
Entertainment
SavorOne Rewards from Capital One earns 3X vs 1X
Vacation Rentals
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Citi Strata Credit Card earns 1X (1X without restrictions)
Attractions
Depends: via issuer travel portal
Citi Strata Credit Card earns 5X when conditions are met; SavorOne Rewards from Capital One 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; SavorOne Rewards from Capital One 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; SavorOne Rewards from Capital One 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; SavorOne Rewards from Capital One 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; SavorOne Rewards from Capital One 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; SavorOne Rewards from Capital One 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 | SavorOne Rewards from Capital One | Citi Strata Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $153 Year one: $153 | 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 ($39) Ongoing: $729 Year one: $729 | 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 |
Is the Fee Difference Worth It?
The SavorOne Rewards from Capital One costs $39/yr — that's $39 more than the Citi Strata Credit Card (no annual fee). To justify that gap, you need to extract at least $39 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $39 fee gap means the SavorOne Rewards from Capital One needs roughly $39 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
The Bottom Line
Both scenarios favor the Citi Strata Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: SavorOne Rewards from Capital One $39/yr, Citi Strata Credit Card $0/yr — a $39 difference before welcome offers and credits.
Frequently Asked Questions
- Is the SavorOne Rewards from Capital One worth the higher annual fee?
- The SavorOne Rewards from Capital One costs $39/yr vs $0/yr for the Citi Strata Credit Card. Compare the year-one vs ongoing value table on this page — the $39 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the SavorOne Rewards from Capital One 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 SavorOne Rewards from Capital One or the Citi Strata Credit Card?
- Use the spend scenarios on this page: the Citi Strata Credit Card has a lower $0/yr fee; the SavorOne Rewards from Capital One must earn enough extra (or offer a larger welcome bonus) to justify $39/yr.
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.