Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
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 travel.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | SavorOne Rewards from Capital One | Citi Strata Credit Card |
|---|---|---|
| Beauty | 1X | 3X |
| Dining | 3X |
The Citi Strata Credit Card wins in 6 of 8 categories. The SavorOne Rewards from Capital One leads in 2. 5 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
Hotels
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)
Car 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)
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)
Travel
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
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.
| 2X |
| Entertainment | 3X | 1X |
| Fitness | 1X | 3X |
| Gas Stations | 1X | 3X |
| Grocery Stores | 3X | 3X |
| Live Entertainment | 1X | 3X |
| Pet | 1X | 3X |
| Streaming | 3X | 3X |
| Top Spend Category | 1X | 3X |
| Transit | 1X | 3X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
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
Citi Strata Credit Card earns 3X vs 1X
Fitness
Citi Strata Credit Card earns 3X vs 1X
Live Entertainment
Citi Strata Credit Card earns 3X vs 1X
Pet
Citi Strata Credit Card earns 3X vs 1X
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): $65 − Annual fee ($39) Ongoing: $218 Year one: $418 | Rewards: $317 Credits (our usable estimate): $50 − Annual fee ($0) Ongoing: $367 Year one: $687 | Citi Strata Credit Card | Citi Strata Credit Card |
| Heavy spender: $4,000/month | Rewards: $768 Credits (our usable estimate): $65 − Annual fee ($39) Ongoing: $794 Year one: $994 | Rewards: $1,267 Credits (our usable estimate): $50 − Annual fee ($0) Ongoing: $1,317 Year one: $1,637 | Citi Strata Credit Card | Citi Strata Credit Card |
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.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
