Head-to-head · 🇺🇸 United States
Capital One Venture X vs Citi Strata Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Premium
Capital One
Capital One Venture X
VISA
Wins 2 of 10
US
Citi
Citi Strata Premier
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Capital One Venture X | Citi Strata Premier |
|---|---|---|
| Annual fee | · $395 | $95 |
| Joining fee | = None | = None |
| Top reward rate | = 10% (travel) | = 10% (travel) |
| Base reward rate | 2% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 75,000 miles after $4,000 spend in first 3 months | = 75,000 ThankYou points after $4,000 spend in 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | · 720 | 700 |
| Editorial rating | 4.7/5 | · 4.4/5 |
Benefits compared
Capital One Venture X
- 10x miles on hotels + rental cars via Capital One Travel
- 2x miles on every purchase
- $300 annual Capital One Travel credit
- 10,000 miles anniversary bonus (worth $100)
- Unlimited Priority Pass + Capital One Lounges access
- Up to $100 Global Entry/TSA PreCheck credit
Citi Strata Premier
- 10x on hotels, car rentals, and attractions via Citi Travel
- 3x at restaurants + supermarkets + gas stations
- 1x on everything else
- $100 hotel benefit on $500+ Citi Travel hotel bookings
- Transfer to 16 airline + hotel partners
FAQ
›Capital One Venture X vs Citi Strata Premier: which is better?
It's a true tie — pick the one whose boost categories match your spend. Capital One Venture X wins on 2 criteria, Citi Strata Premier on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Venture X for its best categories, Citi Strata Premier for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Venture X: 75,000 miles after $4,000 spend in first 3 months. Citi Strata Premier: 75,000 ThankYou points after $4,000 spend in 3 months.