Venture X vs Citi Strata Premier 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 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 Citi Strata Premier Card comes out ahead: about $531 a year after its fee, against $504 for the Capital One Venture X.
- In the first year the welcome bonus flips it: the Capital One Venture X is worth about $1,254 in year one.
- The Capital One Venture X earns more on travel, everything else.
- The Citi Strata Premier Card earns more on groceries, dining, gas.
- The Citi Strata Premier Card costs $300 less a year to hold.
Side by side
| Venture X | Citi Strata Premier Card | |
|---|---|---|
| Annual fee | $395 | $95 |
| Rewards | 10X miles on hotels 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 | Enjoy premium travel benefits with 75,000 bonus miles | Not specified |
| Credits counted | $275/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 X | 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 X or the Citi Strata Premier Card?
On typical spending the Citi Strata Premier Card is worth more: about $531 a year after its fee, against $504 for the Capital One Venture X. Which is better for you depends on where you spend most; see the category answers below.
Which has the lower annual fee?
The Citi Strata Premier Card ($95 a year, against $395).
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 X.
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 X.
Which is better for travel?
The Capital One Venture X. 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 X.
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.