Is the Capital One Venture Rewards Credit Card worth the higher annual fee?

The Capital One Venture Rewards Credit Card costs $95/yr vs $0/yr for the Citi Strata Credit Card. The higher fee that can offset the cost for frequent travelers.

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

Choose the Citi Strata Credit Card if you want lower fees and solid rewards. Pick the Capital One Venture Rewards Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Capital One Venture Rewards Credit Card worth the higher annual fee?

The Capital One Venture Rewards Credit Card costs $95/yr vs $0/yr for the Citi Strata Credit Card. The higher fee that can offset the cost for frequent travelers.

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

Choose the Citi Strata Credit Card if you want lower fees and solid rewards. Pick the Capital One Venture Rewards Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Capital One Venture Rewards Credit Card worth the higher annual fee?

The Capital One Venture Rewards Credit Card costs $95/yr vs $0/yr for the Citi Strata Credit Card. The higher fee that can offset the cost for frequent travelers.

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

Choose the Citi Strata Credit Card if you want lower fees and solid rewards. Pick the Capital One Venture Rewards Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

CardRewards

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.

Capital One Venture Rewards Credit Card vs Citi Strata Credit Card

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.

Capital One Venture Rewards Credit Card

Capital One

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

75,000 Flex point

30,000 Flex point

Earn Rates

Category	Capital One Venture Rewards Credit Card	Citi Strata Credit Card
Cosmetics	1X	3X

Category-by-Category Winner

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 Bottom Line

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.

Frequently Asked Questions

Is the Capital One Venture Rewards Credit Card worth the higher annual fee?: The Capital One Venture Rewards Credit Card costs $95/yr vs $0/yr for the Citi Strata Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Capital One Venture Rewards Credit Card 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 Capital One Venture Rewards Credit Card or the Citi Strata Credit Card?: Choose the Citi Strata Credit Card if you want lower fees and solid rewards. Pick the Capital One Venture Rewards Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Capital One Venture Amex Green vs Citi Strata Amex Platinum vs Capital One Venture

Explore More

Capital One Venture Rewards Credit Card — 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.

Capital One Venture Rewards Credit Card vs Citi Strata Credit Card

Capital One Venture Rewards Credit Card

Capital One

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

75,000 Flex point

30,000 Flex point

Earn Rates

Category	Capital One Venture Rewards Credit Card	Citi Strata Credit Card
Cosmetics	1X	3X

Category-by-Category Winner

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 Bottom Line

The Citi Strata Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Frequently Asked Questions

Is the Capital One Venture Rewards Credit Card worth the higher annual fee?: The Capital One Venture Rewards Credit Card costs $95/yr vs $0/yr for the Citi Strata Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Capital One Venture Rewards Credit Card 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 Capital One Venture Rewards Credit Card or the Citi Strata Credit Card?: Choose the Citi Strata Credit Card if you want lower fees and solid rewards. Pick the Capital One Venture Rewards Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Capital One Venture Amex Green vs Citi Strata Amex Platinum vs Capital One Venture

Explore More

Capital One Venture Rewards Credit Card — 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

Capital One Venture Rewards Credit Card vs Citi Strata Credit Card

Capital One Venture Rewards Credit Card

Capital One

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

75,000 Flex point

30,000 Flex point

Earn Rates

Category	Capital One Venture Rewards Credit Card	Citi Strata Credit Card
Cosmetics	1X	3X

Category-by-Category Winner

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 Bottom Line

The Citi Strata Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Frequently Asked Questions

Is the Capital One Venture Rewards Credit Card worth the higher annual fee?: The Capital One Venture Rewards Credit Card costs $95/yr vs $0/yr for the Citi Strata Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Capital One Venture Rewards Credit Card 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 Capital One Venture Rewards Credit Card or the Citi Strata Credit Card?: Choose the Citi Strata Credit Card if you want lower fees and solid rewards. Pick the Capital One Venture Rewards Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Capital One Venture Amex Green vs Citi Strata Amex Platinum vs Capital One Venture

Explore More

Capital One Venture Rewards Credit Card — 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

Benefits & Features

Network

MASTERCARD

Key Benefits

✓Travel insurance

✓Global Entry credit

None

Pros & Cons

Pros

+Unlimited 2X miles on every purchase with no category tracking required
+5X miles on hotels and rental cars booked through Capital One Travel
+$250 annual travel credit offsets most of the $95 annual fee
+75,000 mile welcome bonus after $4,000 spend in 3 months
+TSA PreCheck or Global Entry credit ($120 value every 4 years)

+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

−$95 annual fee (reduced to ~$0 with travel credit, but credit must be used)
−No lounge access or premium travel perks like Venture X
−5X earning requires booking through Capital One Travel portal
−2X flat rate beaten by category-specific cards in dining, groceries, etc.

−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

Dining

Citi Strata Credit Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Capital One Venture Rewards Credit Card costs $95/yr — 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.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Citi Strata Credit Card means losing:

-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Citi Strata Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment

Benefits & Features

Network

MASTERCARD

Key Benefits

✓Travel insurance

✓Global Entry credit

None

Pros & Cons

Pros

+Unlimited 2X miles on every purchase with no category tracking required
+5X miles on hotels and rental cars booked through Capital One Travel
+$250 annual travel credit offsets most of the $95 annual fee
+75,000 mile welcome bonus after $4,000 spend in 3 months
+TSA PreCheck or Global Entry credit ($120 value every 4 years)

+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

−$95 annual fee (reduced to ~$0 with travel credit, but credit must be used)
−No lounge access or premium travel perks like Venture X
−5X earning requires booking through Capital One Travel portal
−2X flat rate beaten by category-specific cards in dining, groceries, etc.

−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

Dining

Citi Strata Credit Card earns 2X vs 1X

Is the Fee Difference Worth It?

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.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Citi Strata Credit Card means losing:

-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Citi Strata Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment

Benefits & Features

Network

MASTERCARD

Key Benefits

✓Travel insurance

✓Global Entry credit

None

Pros & Cons

Pros

+Unlimited 2X miles on every purchase with no category tracking required
+5X miles on hotels and rental cars booked through Capital One Travel
+$250 annual travel credit offsets most of the $95 annual fee
+75,000 mile welcome bonus after $4,000 spend in 3 months
+TSA PreCheck or Global Entry credit ($120 value every 4 years)

+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

−$95 annual fee (reduced to ~$0 with travel credit, but credit must be used)
−No lounge access or premium travel perks like Venture X
−5X earning requires booking through Capital One Travel portal
−2X flat rate beaten by category-specific cards in dining, groceries, etc.

−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

Dining

Citi Strata Credit Card earns 2X vs 1X

Is the Fee Difference Worth It?

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.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Citi Strata Credit Card means losing:

-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Citi Strata Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment