Venture Rewards vs Citi Strata Premier Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Venture Rewards
Estimated value every year on typical spending
$554/ year
Every year, after the annual fee. Year one adds a $750 welcome bonus: $1,304
Citi Strata Premier Card
Estimated value every year on typical spending
$531/ year
Every year, after the annual fee. No welcome bonus.
The short answer
- On typical spending, the Capital One Venture Rewards comes out ahead: about $554 a year after its fee, against $531 for the Citi Strata Premier Card.
- The Capital One Venture Rewards earns more on travel, everything else.
- The Citi Strata Premier Card earns more on groceries, dining, gas.
Side by side
| Venture Rewards | Citi Strata Premier Card | |
|---|---|---|
| Annual fee | $95 | $95 |
| Rewards | 2X miles on every purchase; 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel | 10 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com; 3 points per dollar spent on Air Travel, Restaurants, Supermarkets, and Gas & EV Charging Stations |
| Welcome bonus | Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening. | Not specified |
| Credits counted | $25/yr | $50/yr |
| Intro APR | Not listed | Not listed |
| Regular APR | 19.74% to 28.74% variable | 20.24% to 28.24% variable |
| Foreign transaction fee | None | None |
| Credit needed | Excellent | Not specified |
Yearly rewards by category
| Category (monthly spend) | Venture Rewards | Citi Strata Premier Card |
|---|---|---|
| groceries ($500) | $120 | $180 |
| dining ($400) | $96 | $144 |
| gas ($200) | $48 | $72 |
| travel ($300) | $72 | $36 |
| everything else ($1,200) | $288 | $144 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Capital One Venture Rewards or the Citi Strata Premier Card?
On typical spending the Capital One Venture Rewards is worth more: about $554 a year after its fee, against $531 for the Citi Strata Premier Card. Which is better for you depends on where you spend most; see the category answers below.
Which is better for groceries?
The Citi Strata Premier Card. On $500 a month of groceries it earns about $180 a year, against $120 with the Capital One Venture Rewards.
Which is better for dining?
The Citi Strata Premier Card. On $400 a month of dining it earns about $144 a year, against $96 with the Capital One Venture Rewards.
Which is better for travel?
The Capital One Venture Rewards. On $300 a month of travel it earns about $72 a year, against $36 with the Citi Strata Premier Card.
Which is better for gas?
The Citi Strata Premier Card. On $200 a month of gas it earns about $72 a year, against $48 with the Capital One Venture Rewards.
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.