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Compare Cards: Royal ONE Plus™ Visa Signature® Credit Card vs. Capital One Venture Rewards Credit Card vs. Citi Strata Premier℠ Card

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Earning Rates
Royal ONE Plus™ Visa Signature® Credit Card
Bank of America
travelcruisepremiumno-foreign-transaction-fee
Details
Capital One Venture Rewards Credit Card
Capital One
travelno-foreign-transaction-fee
Details
Citi Strata Premier℠ Card
Citi
travelno-foreign-transaction-feepremium
Details
First-year value
Welcome offer + annual credits − annual fee
+$921+$1,200+$1,025
Annual Fee$99$95$95
Credit RequiredGoodExcellentExcellent
Foreign FeeWaivedWaivedWaived
Welcome Offer
70,000 pts
Limited-time offer: Earn 70,000 Royal Caribbean points after spending $3,000 in purchases in the first 90 days from account opening.
Spend $3,000 in 3 mo
75,000 pts
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
Spend $4,000 in 3 mo
60,000 pts
Earn 60,000 ThankYou Points after spending $4,000 in first 3 months
Spend $4,000 in 3 mo
Networkvisavisavisa
Earning Rates
Airline
2×
2x points per $1 on airline purchases
——
CitiTravel.com——
10×
Bookings through CitiTravel
Dining
2×
2x points per $1 on dining purchases
——
EV Charging——
3×
EV charging
2×
2x points per $1 on EV charging station purchases
——
Gas
2×
2x points per $1 on gas purchases
—
3×
Grocery
2×
2x points per $1 on grocery purchases
——
Hotel
2×
2x points per $1 on hotel purchases
——
Other
1×
1x point per $1 on all other purchases
1×
1×
Restaurants——
3×
Royal Caribbean, Celebrity Cruises, and Silversea purchases
4×
4x points per $1 on qualifying purchases with Royal Caribbean Group brands
——
Travel—
2×
Earn 2X miles on every purchase
3×
Including gas stations
Benefits & Credits
Annual Credits
  • Anniversary Cruise Discount - $200 cruise discount after spending $20,000 within a cardmember year
  • TSA PreCheck / Global Entry Credit - Up to $120 statement credit for TSA PreCheck or Global Entry every 4 years
Other Benefits
Priority Suite Boarding: Priority suite boarding for Royal Caribbean, Celebrity Cruises, and Silversea voyages
Priority Luggage Handling: Priority luggage handling with Royal Caribbean and Celebrity Cruises
Anniversary Reward: $200 cruise discount after spending $20,000 within a cardmember year
TSA PreCheck / Global Entry Credit: Up to $120 in statement credits every 4 years toward TSA PreCheck or Global Entry
No Foreign Transaction Fees: No foreign transaction fees
Visa Signature Benefits: Visa Signature travel benefits and protections
Annual Credits
  • Global Entry / TSA PreCheck Application Credit - Up to $120 statement credit for Global Entry ($120) or TSA PreCheck ($85) application fee
  • Capital One Travel Hotel Experience Credit - $50 experience credit at hotels booked through Capital One Travel — usable on rooftop drinks, restaurants, room service and other on-property amenities
Annual Credits
  • Citi Travel Hotel Credit - $100 off a single hotel stay of $500+ (excluding taxes/fees) when booked through cititravel
Other Benefits
Citi Travel Center: Hotel booking portal with bonus earnings
Insurance
Trip Cancellation
Trip Delay
Rental Insurance
Purchase Protection
Extended Warranty
Track Benefits