Capital One Savor vs Citi Strata Premier℠
Side-by-side comparison
| Capital One Savor | Citi Strata Premier℠ | |
|---|---|---|
| Annual fee | No annual fee | $95 |
| Welcome offer | 60,000 ThankYou® Points | |
| Dining | 3x | 3x |
| Groceries | 3x | 3x |
| Gas | 1x | 3x |
| Travel | 1x | 3x |
| Streaming | 3x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $484 | $551 |
| 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 Premier℠ about $551, 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 Premier℠ charges $95, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Capital One Savor delivers more total value, about $28 a year more for a typical spender, mostly because it earns more where you spend most, on 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 Premier℠ 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 streaming. Pick the Citi Strata Premier℠ if your spending leans toward gas, travel.