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Side-by-side
Capital One Spark Cash vs Citi Strata Premier Card
Both are well-respected travel cards. The Capital One Spark Cash comes from Capital One at $95/yr; the Citi Strata Premier Card from Citi at $95/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 ($1,000 more in estimated value) than the Citi Strata Premier Card's. Get the Capital One Spark Cash first; revisit the Citi Strata Premier Card after you've earned that bonus.
| Feature | Capital One Spark Cash | Citi Strata Premier Card |
|---|---|---|
| Annual fee | $95 | $95 |
| Sign-up bonus | $1,000 cash bonus | Not advertised |
| Bonus value (est.) | $1,000 | - |
| 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 | citi-ty |
| Headline benefits |
|
Read the full review
Capital One Spark Cash
$95/yr · $1,000 cash bonus
Read the full review
Citi Strata Premier Card
$95/yr ·
Editorial take: Citi Strata Premier Card
A strong mid-tier card with the late-2024 refresh adding 10x on CitiTravel.com and EV charging to the 3x grid. The $100 hotel benefit and 16 transfer partners (Avianca, Flying Blue, Turkish, Virgin Atlantic, Wyndham) make it competitive with Sapphire Preferred at the same $95 fee.
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash or Citi Strata Premier Card?
- The Capital One Spark Cash has a public bonus ($1,000 cash bonus, worth roughly $1,000), while the Citi Strata Premier Card doesn't advertise one right now.
- Is the Capital One Spark Cash's $95 annual fee worth it compared to the Citi Strata Premier 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 Premier Card's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash and Citi Strata Premier 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 Premier 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 Premier 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.