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Side-by-side
Capital One Spark Cash vs Citi Strata Card
Both are well-respected travel cards. The Capital One Spark Cash comes from Capital One at $95/yr; the Citi Strata Card from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Capital One Spark Cash is the stronger pick today, the sign-up bonus is meaningfully larger ($660 more in estimated value) than the Citi Strata Card's. Get the Capital One Spark Cash first; revisit the Citi Strata Card after you've earned that bonus.
| Feature | Capital One Spark Cash | Citi Strata Card |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | $1,000 cash bonus | 20,000 bonus points |
| Bonus value (est.) | $1,000 | $340 |
| Min spend to unlock bonus | $10,000 in 3 mo | - |
| Issuer | Capital One | Citi |
| Card category | business | travel |
| Best earning category (Hotels_capital_one) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Capital One Spark Cash
$95/yr · $1,000 cash bonus
Read the full review
Citi Strata Card
$0/yr · 20,000 bonus points
Editorial take: Citi Strata Card
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash or Citi Strata Card?
- The Capital One Spark Cash has the bigger bonus, $1,000 cash bonus, worth roughly $1,000, versus 20,000 bonus points (~$340) on the Citi Strata Card.
- Is the Capital One Spark Cash's $95 annual fee worth it compared to the Citi Strata Card?
- At $95/yr, the Capital One Spark Cash is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi Strata Card's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash and Citi Strata 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 or the Citi Strata Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash: $10,000 spend in 3 months. Citi Strata Card: no published min spend. 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.