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Capital One Quicksilver Cash Rewards vs Citi Strata Premier
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Capital One Quicksilver Cash RewardsCapital One | Citi Strata PremierCiti |
|---|---|---|
| Rating | 4.3/5 | 4.5/5 |
| Annual Fee | $0 | $95 |
| APR | 18.49% - 28.49% | 20.24% - 28.24% |
| Signup Bonus | $200 cash bonus after spending $500 in 3 months | 60,000 bonus points after spending $4,000 in 3 months |
| Rewards Rate | 1.5% cash back on every purchase, 5% on hotels and rental cars through Capital One Travel | 10X on hotels, car rentals & attractions via Citi Travel, 3X on air travel, restaurants, supermarkets, and gas/EV stations, 1X on everything else |
| Credit Score | good | good |
| Pros | 1.5% unlimited cash back on every purchase with no annual fee 5% on hotels and rental cars through Capital One Travel No foreign transaction fees | 3X on five popular spending categories including travel, dining, and groceries $100 annual hotel savings benefit Transfer points to 17+ airline and hotel partners |
| Cons | 1.5% base rate trails 2% flat-rate competitors No bonus spending categories beyond travel portal No intro APR on purchases | $95 annual fee with fewer premium perks than competitors No lounge access 1X on non-category spending is low |
| View Details → | View Details → |
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Verdict
Our Pick: Citi Strata Premier
With a 4.5/5 rating, the Citi Strata Premier edges out the Capital One Quicksilver Cash Rewards (4.3/5). At $95/yr, the value proposition is strong. The Citi Strata Premier (formerly Citi Premier) earns 3X on travel, dining, supermarkets, and gas. With transfer partners across 17+ airlines and hotels, it's a solid mid-tier travel card that competes with Chase Sapphire Preferred.