Citi Strata Premier vs Capital One Venture X
ThankYou Points vs Capital One Miles
Verified October 2026
The Citi Strata Premier ($95) undercuts the Capital One Venture X ($395) on annual fee. Pick the Citi Strata Premier for everyday restaurants spending (3x); pick the Capital One Venture X for everyday hotels and rental cars via Capital One Travel spending (10x).
At a Glance
Citi Strata Premier Card
- Annual Fee
- $95
- Signup Bonus
- 75,000 points
- Network
- Mastercard
- Points Currency
- ThankYou Points
- Earning Rates
-
Restaurants 3xSupermarkets 3xEverything Else 1xGas Ev Charging 3xAir Hotel Travel 3x
Capital One Venture X Rewards
- Annual Fee
- $395
- Signup Bonus
- 75,000 points
- Network
- Visa
- Points Currency
- Capital One Miles
- Earning Rates
-
All Other Purchases 2xHotels And Rental Cars Via Capital One Travel 10xFlights And Vacation Rentals Via Capital One Travel 5x
Category Breakdown
How they compare across key categories
Annual Fee
Citi Strata Premier winsCiti Strata Premier $95 vs Capital One Venture X $395
Welcome Bonus
TieCiti Strata Premier: 75,000 points after $4,000 in 3 months vs Capital One Venture X: 75,000 points after $4,000 in 3 months
Top Earning Rate
Capital One Venture X winsCiti Strata Premier: 3x on restaurants vs Capital One Venture X: 10x on hotels and rental cars via Capital One Travel
Perks & Credits
Capital One Venture X winsCiti Strata Premier: 2 listed benefits vs Capital One Venture X: 3 listed benefits
Transfer Partners
TieCiti Strata Premier: 14+ airline and hotel partners vs Capital One Venture X: 15+ airline and hotel partners
Perks & Benefits
Citi Strata Premier
- $100 annual hotel credit (single stay $500+)
- No foreign transaction fees
Capital One Venture X Rewards
- Capital One Travel credit ($300)
- Anniversary bonus miles
- Lounge access
Which Is Right for You?
Get the Citi Strata Premier if...
- Lower $95 annual fee
- Earns 3x on restaurants
- Earns 3x on supermarkets
- $100 annual hotel credit (single stay $500+)
Get the Capital One Venture X if...
- Premium benefits to offset the $395 fee
- Earns 10x on hotels and rental cars via Capital One Travel
- Earns 5x on flights and vacation rentals via Capital One Travel
- Capital One Travel credit ($300)
Frequently Asked Questions
Is the Citi Strata Premier or Capital One Venture X better?
The Citi Strata Premier ($95) undercuts the Capital One Venture X ($395) on annual fee. Pick the Citi Strata Premier for everyday restaurants spending (3x); pick the Capital One Venture X for everyday hotels and rental cars via Capital One Travel spending (10x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.
Which has the lower annual fee, the Citi Strata Premier or Capital One Venture X?
The Citi Strata Premier has the lower annual fee at $95, versus $395 for the Capital One Venture X.
Which card earns points faster?
The Citi Strata Premier earns up to 3x on restaurants, while the Capital One Venture X earns up to 10x on hotels and rental cars via Capital One Travel.
Can I have both the Citi Strata Premier and the Capital One Venture X?
Yes. They're issued independently, so you can hold both and earn ThankYou Points and Capital One Miles side by side.
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Earn bonus points with these credit card offers
Can't find availability at your current points balance? These credit cards earn points you can put towards your next flight.
The Platinum Card from American Express
Personal · Annual fee $895
175,000 points
after $12,000 in 6 months
- Airline incidentals credit ($200)
- Uber credit ($200)
- Lounge access
American Express Gold Card
Personal · Annual fee $325
100,000 points
after $8,000 in 6 months
- Dining credit ($120)
- Resy credit ($100)
- Dunkin credit ($84)
Chase Sapphire Reserve
Personal · Annual fee $795
100,000 points
after $6,000 in 3 months
- Annual Travel Credit ($300)
- Global Entry/TSA PreCheck Credit ($120)
- The Edit Hotel Credit ($500)
Chase Ink Business Preferred®
Business · Annual fee $95
100,000 Ultimate Rewards points
after $8,000 in purchases in the first 3 months
- 3x points on travel & shipping
- 3x points on advertising
- 3x points on internet/cable/phone
Chase Sapphire Preferred
Personal · Annual fee $95
75,000 points
after $5,000 in 3 months
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Capital One Venture Rewards
Personal · Annual fee $95
75,000 points
after $4,000 in 3 months
- Capital One Travel credit ($300)
Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.