Dedicated comparison page
Capital One Venture X Rewards vs Citi Strata Premier Card on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.
by Capital One
Capital One Venture X Rewards is a travel card from Capital One with a $395 annual fee, 75,000 miles after $4,000 in 3 months, and excellent credit.
Best for: People focused on travel rewards who can justify a $395 annual fee and who typically have excellent credit.
by Citi
Citi Strata Premier Card is a travel card from Citi with a $95 annual fee, 60,000 thankyou points after $4,000 in 3 months, and good to excellent credit.
Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.
| Metric | Capital One Venture X Rewards | Citi Strata Premier Card |
|---|---|---|
| Annual Fee | $395 | $95 |
| Reward Rate | 10.0% | 10.0% |
| Signup Bonus | 75,000 miles after $4,000 in 3 months | 60,000 ThankYou points after $4,000 in 3 months |
| Foreign Transaction Fee | None | None |
| Recommended Credit | Excellent credit | Good to excellent credit |
| Rewards Summary | Earn elevated rewards with 10% on Travel-portal, 5% on Entertainment and 5% on Travel-portal, plus 2% on other purchases. | Earn elevated rewards with 10% on Travel-portal, 3% on Dining and 3% on Flights, plus 1% on other purchases. |
Its strongest earning category is Travel-portal at 10%, backed by 2% on general spending. It also avoids foreign transaction fees.
Best for: People focused on travel rewards who can justify a $395 annual fee and who typically have excellent credit.
Its strongest earning category is Travel-portal at 10%, backed by 1% on general spending. It also avoids foreign transaction fees.
Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.
The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.
Citi Strata Premier Card has the lowest published starting credit range in this comparison at 700.
Citi Strata Premier Card has the lowest annual fee in this comparison at $95.