Capital One Savor vs Citi Strata Elite℠
Side-by-side comparison
| Capital One Savor | Citi Strata Elite℠ | |
|---|---|---|
| Annual fee | No annual fee | $595 |
| Welcome offer | 100,000 ThankYou® Points | |
| Dining | 3x | 3x |
| Groceries | 3x | 1x |
| Gas | 1x | 1x |
| Travel | 1x | 12x |
| Streaming | 3x | 1x |
| Everything else | 1x | 1.5x |
| Est. yearly rewards* | $484 | $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 Savor earns about $484 a year in rewards and the Citi Strata Elite℠ about $628, valuing every point at a flat 1 cent. The Capital One Savor has no annual fee, so its rewards are all profit. The Citi Strata Elite℠ charges $595, but carries about $735 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Capital One Savor delivers more total value, about $84 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and streaming. 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. Note that Capital One Savor is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One Savor if your spending leans toward groceries, streaming. Pick the Citi Strata Elite℠ if your spending leans toward travel, everything else.