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Capital One QuicksilverOne 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 QuicksilverOne Cash RewardsCapital One | Citi Strata PremierCiti |
|---|---|---|
| Rating | 3.8/5 | 4.5/5 |
| Annual Fee | $39 | $95 |
| APR | 30.49% | 20.24% - 28.24% |
| Signup Bonus | None | 60,000 bonus points after spending $4,000 in 3 months |
| Rewards Rate | 1.5% cash back on every purchase | 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 | fair | good |
| Pros | 1.5% cash back on everything — rare for a fair-credit card No foreign transaction fees See if you're pre-approved with no credit impact | 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 | $39 annual fee High 30.49% APR No signup bonus | $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 QuicksilverOne Cash Rewards (3.8/5). 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.