Capital One QuicksilverOne vs Citi Strata Elite℠
Side-by-side comparison
| Capital One QuicksilverOne | Citi Strata Elite℠ | |
|---|---|---|
| Annual fee | $39 | $595 |
| Welcome offer | No current offer | 100,000 ThankYou® Points |
| Dining | 1.5x | 3x |
| Groceries | 1.5x | 1x |
| Gas | 1.5x | 1x |
| Travel | 1.5x | 12x |
| Streaming | 1.5x | 1x |
| Everything else | 1.5x | 1.5x |
| Est. yearly rewards* | $437 | $628 |
| Points type | Pools with Capital One → transferable | Transfers to airlines & hotels |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Capital One QuicksilverOne earns about $437 a year in rewards and the Citi Strata Elite℠ about $628, valuing every point at a flat 1 cent. The Capital One QuicksilverOne charges $39, which you clear through its rewards and perks. The Citi Strata Elite℠ charges $595, but carries about $735 in annual statement credits that offset it for anyone who uses them. The two are effectively tied on value, with the Citi Strata Elite℠ marginally ahead, mostly because it earns more where you spend most, on travel and dining. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Citi Strata Elite℠ currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One QuicksilverOne if your spending leans toward groceries, gas, streaming. Pick the Citi Strata Elite℠ if your spending leans toward dining, travel.