Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The Citi Strata Credit Card ($0/yr) is better for everyday value, while the Capital One Venture Rewards Credit Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Capital One Venture Rewards Credit Card | Citi Strata Credit Card |
|---|---|---|
| Cosmetics | 1X | 3X |
The Citi Strata Credit Card wins in 10 of 10 categories. The Capital One Venture Rewards Credit Card leads in 0.
Grocery Stores
Citi Strata Credit Card 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
Streaming
Citi Strata Credit Card earns 3X vs 1X
The Citi Strata Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Citi Strata Credit Card if you want solid rewards with a lower cost of entry. Choose the Capital One Venture Rewards Credit Card if you travel frequently and can maximize its premium benefits.
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.
The Citi Strata Credit Card ($0/yr) is better for everyday value, while the Capital One Venture Rewards Credit Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Capital One Venture Rewards Credit Card | Citi Strata Credit Card |
|---|---|---|
| Cosmetics | 1X | 3X |
The Citi Strata Credit Card wins in 10 of 10 categories. The Capital One Venture Rewards Credit Card leads in 0.
Grocery Stores
Citi Strata Credit Card 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
Streaming
Citi Strata Credit Card earns 3X vs 1X
The Citi Strata Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Citi Strata Credit Card if you want solid rewards with a lower cost of entry. Choose the Capital One Venture Rewards Credit Card if you travel frequently and can maximize its premium benefits.
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.
The Citi Strata Credit Card ($0/yr) is better for everyday value, while the Capital One Venture Rewards Credit Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Capital One Venture Rewards Credit Card | Citi Strata Credit Card |
|---|---|---|
| Cosmetics | 1X | 3X |
The Citi Strata Credit Card wins in 10 of 10 categories. The Capital One Venture Rewards Credit Card leads in 0.
Grocery Stores
Citi Strata Credit Card 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
Streaming
Citi Strata Credit Card earns 3X vs 1X
The Citi Strata Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Citi Strata Credit Card if you want solid rewards with a lower cost of entry. Choose the Capital One Venture Rewards Credit Card if you travel frequently and can maximize its premium benefits.
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.
| Fitness & Gyms | 1X | 3X |
| Gas Stations | 1X | 3X |
| Grocery Stores | 1X | 3X |
| Live Entertainment | 1X | 3X |
| Pet Stores | 1X | 3X |
| Rotating Category | 1X | 3X |
| Streaming | 1X | 3X |
| Transit | 1X | 3X |
| Dining | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Dining
Citi Strata Credit Card earns 2X vs 1X
The Capital One Venture Rewards Credit Card costs $95/yr โ that's $95 more than the Citi Strata Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The Capital One Venture Rewards Credit Card offers Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $95 difference is small enough that the Capital One Venture Rewards Credit Card's extra perks make it worth considering for most cardholders.
Choosing one card means missing out on these benefits from the other.
Choosing Citi Strata Credit Card means losing:
Get the Citi Strata Credit Card if you:
| Fitness & Gyms | 1X | 3X |
| Gas Stations | 1X | 3X |
| Grocery Stores | 1X | 3X |
| Live Entertainment | 1X | 3X |
| Pet Stores | 1X | 3X |
| Rotating Category | 1X | 3X |
| Streaming | 1X | 3X |
| Transit | 1X | 3X |
| Dining | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Dining
Citi Strata Credit Card earns 2X vs 1X
The Capital One Venture Rewards Credit Card costs $95/yr โ that's $95 more than the Citi Strata Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The Capital One Venture Rewards Credit Card offers Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $95 difference is small enough that the Capital One Venture Rewards Credit Card's extra perks make it worth considering for most cardholders.
Choosing one card means missing out on these benefits from the other.
Choosing Citi Strata Credit Card means losing:
Get the Citi Strata Credit Card if you:
| Fitness & Gyms | 1X | 3X |
| Gas Stations | 1X | 3X |
| Grocery Stores | 1X | 3X |
| Live Entertainment | 1X | 3X |
| Pet Stores | 1X | 3X |
| Rotating Category | 1X | 3X |
| Streaming | 1X | 3X |
| Transit | 1X | 3X |
| Dining | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Dining
Citi Strata Credit Card earns 2X vs 1X
The Capital One Venture Rewards Credit Card costs $95/yr โ that's $95 more than the Citi Strata Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The Capital One Venture Rewards Credit Card offers Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $95 difference is small enough that the Capital One Venture Rewards Credit Card's extra perks make it worth considering for most cardholders.
Choosing one card means missing out on these benefits from the other.
Choosing Citi Strata Credit Card means losing:
Get the Citi Strata Credit Card if you: