Card database → Capital One Savor vs Citi Strata Premier® Card
Capital One Savor vs Citi Strata Premier® Card
Printed earn rates valued in cents per dollar, side by side — the same math the Credit Upside engine runs on every charge. Card data verified 2026-08-21.
| Category | Capital One Savor | Citi Strata Premier® Card |
|---|---|---|
| Dining | 3.0¢/$ (3%) | 3.3¢/$ (3x) |
| Groceries | 3.0¢/$ (3%) | 3.3¢/$ (3x) |
| Gas | 1.0¢/$ (1%) | 3.3¢/$ (3x) |
| Travel | 1.0¢/$ (1%) | 1.1¢/$ (1x) |
| Flights | 1.0¢/$ (1%) | 3.3¢/$ (3x) |
| Hotels | 1.0¢/$ (1%) | 1.1¢/$ (1x) |
| Streaming | 3.0¢/$ (3%) | 1.1¢/$ (1x) |
| Online retail | 1.0¢/$ (1%) | 1.1¢/$ (1x) |
| Issuer travel portal | 5.0¢/$ (5%) | 11.0¢/$ (10x) |
| Entertainment | 3.0¢/$ (3%) | 1.1¢/$ (1x) |
| Everything else | 1.0¢/$ (1%) | 1.1¢/$ (1x) |
| Annual fee | None | $95 |
| Statement credits (max/yr) | — | $130 |
| Foreign transaction fee | None | None |
| Signup bonus | — | 60,000 after $4,000/3mo |
| Offer last confirmed | — | 2026-09-14 |
Citi Strata Premier® Card wins more of the everyday categories (9 of 11), but Capital One Savor costs $95 less per year — which card earns more depends entirely on where YOUR money goes.
Point values are Credit Upside's maintained mid-range estimates (Citi ThankYou points at 1.10¢). Caps, rotating categories and credit usage change the real answer — the app applies all of them to your actual statement.
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