New: Compare up to 3 cards side-by-side instantly Compare now →
Capital One Savor Cash Rewards vs Citi Strata Premier
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | Capital One Savor Cash RewardsCapital One | Citi Strata PremierCiti |
|---|---|---|
| Rating | 4.4/5 | 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 | 3% on dining, entertainment, grocery stores, and popular streaming, 1% on everything else | 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 | 3% back on dining, entertainment, groceries, and streaming with no annual fee 0% intro APR for 12 months on purchases and balance transfers 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 | Only 1% on non-category purchases No premium travel perks 3% categories less competitive than Amex Gold's 4% | $95 annual fee with fewer premium perks than competitors No lounge access 1X on non-category spending is low |
| View Details → | View Details → |
[ 02 / 02 ]
·
Verdict
Our Pick: Citi Strata Premier
With a 4.5/5 rating, the Citi Strata Premier edges out the Capital One Savor Cash Rewards (4.4/5). 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.