Capital One Venture vs Citi Strata Premier
It depends on how you spend: the Capital One Venture wins for 2 of our three profiles and the Citi Strata Premier for 1. Below: what each card pays after fees for three spending profiles, the break-even, and a live calculator for your own numbers. Card terms verified Oct 5, 2026.
Simulated results
Five years, welcome offers counted when the profile's own spending reaches them, points valued for travel (Capital One miles at 1.5¢, Citi points at 1.4¢). Merchant credits like Uber or DoorDash aren't counted for typed profiles; they show up in the break-even instead.
| Profile | Capital One Venture: year 1 | then yearly | 5 years | Citi Strata Premier: year 1 | then yearly | 5 years |
|---|---|---|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $1,750 | $625 | $4,250 | $1,390 | $550 | $3,591 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $2,290 | $1,165 | $6,950 | $1,955 | $1,115 | $6,413 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $2,830 | $1,705 | $9,650 | $2,643 | $1,803 | $9,857 |
The break-even
Everyday spender
Citi Strata Premier trails Capital One Venture by $132 a year. It wins only if its credits you'd have to use are worth more than $132 a year to you.
This flips if Citi points are worth more than 1.63¢ each to you (we're using 1.4¢).
Balanced
Citi Strata Premier trails Capital One Venture by $107 a year. It wins only if its credits you'd have to use are worth more than $107 a year to you.
This flips if Citi points are worth more than 1.51¢ each to you (we're using 1.4¢).
Frequent traveler
Capital One Venture trails Citi Strata Premier by $41 a year. It wins only if its Global Entry credit and elite status are worth more than $41 a year to you.
This flips if Capital One miles are worth more than 1.53¢ each to you (we're using 1.5¢).
Try it with your spending
Starts from the Balanced profile. Change any number, or drop in your statements; they're read on this device and never uploaded.
The live calculator needs JavaScript. The tables above are precomputed.
The live calculator needs JavaScript. The tables above are precomputed.
Side by side
| Term | Capital One Venture | Citi Strata Premier |
|---|---|---|
| Issuer and network | Capital One, Mastercard | Citi, Mastercard |
| Annual fee | $95 | $95 |
| Requires | Nothing extra | Nothing extra |
| Welcome offer | 75,000 points after $4,000 in 3 months | 60,000 points after $4,000 in 3 months |
| Earning | 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel · 5X miles on Capital One Entertainment ticket purchases · 2x on everything else | 10x on hotels, car rentals and attractions booked through Citi Travel · 3x on air travel and other hotel purchases · 3x at restaurants (including restaurant delivery) · 3x at supermarkets · 3x at gas and EV charging stations · 1x on everything else |
| Rewards currency | Capital One miles | Citi ThankYou points |
| Statement credits | None | $100 annual hotel benefit (Citi Travel, $500+ stay) |
| Lounges | None | None |
| Foreign transaction fee | None | None |
| Authorized users | No fee | No fee |
| Availability | Open to new applicants | Open to new applicants |
| Verified | Oct 5, 2026 | Oct 5, 2026 |
Is the Capital One Venture worth its $95 fee? · Is the Citi Strata Premier worth its $95 fee? · Compare every card with your statements