Which card earns more rewards, the Savor Rewards from Capital One or Citi Strata Credit Card?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Savor Rewards from Capital One 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.

Which card earns more rewards, the Savor Rewards from Capital One or Citi Strata Credit Card?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Savor Rewards from Capital One 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.

Which card earns more rewards, the Savor Rewards from Capital One or Citi Strata Credit Card?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Savor Rewards from Capital One 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.

Savor Rewards from Capital One vs Citi Strata Credit Card

Both cards cost $0/yr. The Savor Rewards from Capital One is better for capital one entertainment, while the Citi Strata Credit Card wins on travel. Here's how they compare.

Savor Rewards from Capital One

Capital One

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Flex point

Earn Rates

Category	Savor Rewards from Capital One	Citi Strata Credit Card
Cosmetics	1X	3X
Dining	3X	2X
Entertainment	3X	1X
Fitness & Gyms	1X	3X
Gas Stations	1X	3X
Grocery Stores	3X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee with competitive 3% cash back on popular categories
+3% back on dining, groceries, entertainment, and streaming services
+8% cash back on Capital One Entertainment ticket purchases
+5% cash back on hotels and car rentals via Capital One Travel
+0% intro APR for 12 months on purchases and balance transfers

+No annual fee
+30,000 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

−Grocery exclusions for Walmart, Target, and warehouse clubs
−1% base rate on non-bonus categories is below average

Category-by-Category Winner

The Citi Strata Credit Card wins in 7 of 9 categories. The Savor Rewards from Capital One leads in 2.

Dining

Savor Rewards from Capital One earns 3X vs 2X

Entertainment

Savor Rewards from Capital One earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Savor Rewards from Capital One or Citi Strata Credit Card?: The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Savor Rewards from Capital One 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.

Related Comparisons

Amex Blue Cash Everyday vs Capital One Savorone Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Capital One Savorone

Explore More

Savor Rewards from Capital One — Full Review All Capital One Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Citi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Savor Rewards from Capital One vs Citi Strata Credit Card

Both cards cost $0/yr. The Savor Rewards from Capital One is better for capital one entertainment, while the Citi Strata Credit Card wins on travel. Here's how they compare.

Savor Rewards from Capital One

Capital One

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Flex point

Earn Rates

Category	Savor Rewards from Capital One	Citi Strata Credit Card
Cosmetics	1X	3X
Dining	3X	2X
Entertainment	3X	1X
Fitness & Gyms	1X	3X
Gas Stations	1X	3X
Grocery Stores	3X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee with competitive 3% cash back on popular categories
+3% back on dining, groceries, entertainment, and streaming services
+8% cash back on Capital One Entertainment ticket purchases
+5% cash back on hotels and car rentals via Capital One Travel
+0% intro APR for 12 months on purchases and balance transfers

+No annual fee
+30,000 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

−Grocery exclusions for Walmart, Target, and warehouse clubs
−1% base rate on non-bonus categories is below average

Category-by-Category Winner

The Citi Strata Credit Card wins in 7 of 9 categories. The Savor Rewards from Capital One leads in 2.

Dining

Savor Rewards from Capital One earns 3X vs 2X

Entertainment

Savor Rewards from Capital One earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Savor Rewards from Capital One or Citi Strata Credit Card?: The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Savor Rewards from Capital One 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.

Related Comparisons

Amex Blue Cash Everyday vs Capital One Savorone Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Capital One Savorone

Explore More

Savor Rewards from Capital One — Full Review All Capital One Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Citi cards

Savor Rewards from Capital One vs Citi Strata Credit Card

Both cards cost $0/yr. The Savor Rewards from Capital One is better for capital one entertainment, while the Citi Strata Credit Card wins on travel. Here's how they compare.

Savor Rewards from Capital One

Capital One

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Flex point

Earn Rates

Category	Savor Rewards from Capital One	Citi Strata Credit Card
Cosmetics	1X	3X
Dining	3X	2X
Entertainment	3X	1X
Fitness & Gyms	1X	3X
Gas Stations	1X	3X
Grocery Stores	3X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee with competitive 3% cash back on popular categories
+3% back on dining, groceries, entertainment, and streaming services
+8% cash back on Capital One Entertainment ticket purchases
+5% cash back on hotels and car rentals via Capital One Travel
+0% intro APR for 12 months on purchases and balance transfers

+No annual fee
+30,000 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

−Grocery exclusions for Walmart, Target, and warehouse clubs
−1% base rate on non-bonus categories is below average

Category-by-Category Winner

The Citi Strata Credit Card wins in 7 of 9 categories. The Savor Rewards from Capital One leads in 2.

Dining

Savor Rewards from Capital One earns 3X vs 2X

Entertainment

Savor Rewards from Capital One earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Savor Rewards from Capital One or Citi Strata Credit Card?: The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Savor Rewards from Capital One 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.

Related Comparisons

Amex Blue Cash Everyday vs Capital One Savorone Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Capital One Savorone

Explore More

Savor Rewards from Capital One — Full Review All Capital One Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Citi cards