Capital One SavorOne vs Citi Strata Premier℠
Side-by-side comparison
| Capital One SavorOne | Citi Strata Premier℠ | |
|---|---|---|
| Annual fee | $39 | $95 |
| Welcome offer | No current 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 SavorOne 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 SavorOne charges $39, which you clear through its rewards and perks. The Citi Strata Premier℠ charges $95, which you clear through its rewards and perks. The two are close on value, but the Citi Strata Premier℠ edges ahead by about $11 a year, mostly because it earns more where you spend most, on gas and travel. 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. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One SavorOne if your spending leans toward streaming. Pick the Citi Strata Premier℠ if your spending leans toward gas, travel.