Venture X vs Citi Strata Elite Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Venture X
Estimated value every year on typical spending
$504/ year
Every year, after the annual fee. Year one adds a $750 welcome bonus: $1,254
Citi Strata Elite Card
Estimated value every year on typical spending
$1,004/ year
Before the annual fee — we couldn't confirm it, so check the issuer's site.
The short answer
- We couldn't confirm the annual fee on the Citi Strata Elite Card, so we don't name a winner on value. Compare the earning rates below.
- The Capital One Venture X earns more on groceries, gas, travel, everything else.
- The Citi Strata Elite Card earns more on dining.
Side by side
| Venture X | Citi Strata Elite Card | |
|---|---|---|
| Annual fee | $395 | See issuer site |
| Rewards | 10X miles on hotels and rental cars booked through Capital One Travel | 12 points per dollar on Hotels, Car Rentals, and Attractions booked on cititravel.com; 6 points on Air Travel and select restaurant purchases; 1.5 points on all other purchases |
| Welcome bonus | Enjoy premium travel benefits with 75,000 bonus miles | Not specified |
| Credits counted | $275/yr | $320/yr |
| Intro APR | Not listed | Not listed |
| Regular APR | 19.74% to 28.74% variable | Not listed |
| Foreign transaction fee | None | None |
| Credit needed | Excellent | Not specified |
Yearly rewards by category
| Category (monthly spend) | Venture X | Citi Strata Elite Card |
|---|---|---|
| groceries ($500) | $120 | $90 |
| dining ($400) | $96 | $288 |
| gas ($200) | $48 | $36 |
| travel ($300) | $72 | $54 |
| everything else ($1,200) | $288 | $216 |
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 for groceries?
The Capital One Venture X. On $500 a month of groceries it earns about $120 a year, against $90 with the Citi Strata Elite Card.
Which is better for dining?
The Citi Strata Elite Card. On $400 a month of dining it earns about $288 a year, against $96 with the Capital One Venture X.
Which is better for travel?
The Capital One Venture X. On $300 a month of travel it earns about $72 a year, against $54 with the Citi Strata Elite Card.
Which is better for gas?
The Capital One Venture X. On $200 a month of gas it earns about $48 a year, against $36 with the Citi Strata Elite Card.
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.