Capital One Venture X Rewards vs Citi Strata Elite® Card
Side by side on the numbers that decide it. The Money 8020 Score already weighs these. This page is the receipts.
Money 8020 pick CO Capital One Venture X Rewards Capital One 87/100 | C Citi Strata Elite® Card Citibank 77/100 | |
|---|---|---|
| Tier | Essential | Strong |
| Rewards rate | 2X-10X | 1.5x-12x |
| Regular APR | 19.74%-28.74% | 20.74%-28.74% |
| Lounges | Capital One + Priority Pass | — |
| Bonus | — | 75,000 points |
| Annual fee | $395 | $595 |
| Best for | Travelers who want lounges without a $795-class fee | Travelers who book hotels and flights through Citi Travel |
| View profile | View profile |
Which should you choose: the Capital One Venture X Rewards or the Citi Strata Elite® Card?
The Capital One Venture X Rewards is the stronger pick of the two, with a Money 8020 score of 87/100 versus 77. Choose the Citi Strata Elite® Card instead if travelers who book hotels and flights through Citi Travel.
On rewards rate, the Capital One Venture X Rewards shows 2X-10X versus the Citi Strata Elite® Card's 1.5x-12x. On regular APR, the Capital One Venture X Rewards shows 19.74%-28.74% versus the Citi Strata Elite® Card's 20.74%-28.74%. On annual fee, the Capital One Venture X Rewards shows $395 versus the Citi Strata Elite® Card's $595. Both figures are reflected in the Money 8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Capital One Venture X Rewards vs Citi Strata Elite® Card: FAQ
Is the Capital One Venture X Rewards or the Citi Strata Elite® Card better?
By our scoring, the Capital One Venture X Rewards edges ahead with a Money 8020 score of 87/100 versus 77. The Citi Strata Elite® Card can still be the better fit if travelers who book hotels and flights through Citi Travel.
What is the main difference between the Capital One Venture X Rewards and the Citi Strata Elite® Card?
On rewards rate, the Capital One Venture X Rewards offers 2X-10X while the Citi Strata Elite® Card offers 1.5x-12x. Review the full table above and confirm current terms with each provider. This is not financial advice.