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Capital One Spark Cash Plus vs Citi Strata Elite Card
Both are well-respected travel cards. The Capital One Spark Cash Plus comes from Capital One at $150/yr; the Citi Strata Elite Card from Citi at $595/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Citi Strata Elite Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,350 more in estimated value) than the Capital One Spark Cash Plus's. Get the Citi Strata Elite Card first; revisit the Capital One Spark Cash Plus after you've earned that bonus.
| Feature | Capital One Spark Cash Plus | Citi Strata Elite Card |
|---|---|---|
| Annual fee | $150 | $595 |
| Sign-up bonus | $4,000 cash bonus | 75,000 points |
| Bonus value (est.) | - | $1,350 |
| Min spend to unlock bonus | - | $6,000 in 3 mo |
| Issuer | Capital One | Citi |
| Card category | business | travel |
| Best earning category (Hotels_capital_one) | 5x | 1x |
| Transfer partners | None | citi-ty |
| Headline benefits |
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Read the full review
Capital One Spark Cash Plus
$150/yr · $4,000 cash bonus
Read the full review
Citi Strata Elite Card
$595/yr · 75,000 points
Editorial take: Citi Strata Elite Card
Citi's premium answer to Amex Platinum + Sapphire Reserve. The 12x on Citi-booked hotels is the best earning rate in the category; the $200 Blacklane and 4 Admirals Club passes are differentiated perks. $595 fee penciled out if you'll actually use the hotel + Splurge credits.
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash Plus or Citi Strata Elite Card?
- The Citi Strata Elite Card has a public bonus (75,000 points, worth roughly $1,350), while the Capital One Spark Cash Plus doesn't advertise one right now.
- Is the Capital One Spark Cash Plus's $150 annual fee worth it compared to the Citi Strata Elite Card?
- At $150/yr, the Capital One Spark Cash Plus is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi Strata Elite Card's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash Plus and Citi Strata Elite Card?
- Yes, since they're from different issuers (Capital One and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Capital One Spark Cash Plus or the Citi Strata Elite Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash Plus: no published min spend. Citi Strata Elite Card: $6,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.