CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The Wells Fargo Autograph Visa Credit Card ($0/yr) is better for everyday value, while the Citi Strata Premier Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Citi Strata Premier Card | Wells Fargo Autograph Visa Credit Card |
|---|---|---|
| Dining | 3X | 3X |
The Wells Fargo Autograph Visa Credit Card wins in 6 of 9 categories. The Citi Strata Premier Card leads in 3.
Hotels
Citi Strata Premier Card earns 3X vs 1X
Flights
Citi Strata Premier Card earns 3X vs 1X
Grocery Stores
Citi Strata Premier Card earns 3X vs 1X
Travel
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Transit
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Streaming
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Phone Bills
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Telecom
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Tolls
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
The Wells Fargo Autograph Visa Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Wells Fargo Autograph Visa Credit Card if you want solid rewards with a lower cost of entry. Choose the Citi Strata Premier Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Wells Fargo Autograph Visa Credit Card ($0/yr) is better for everyday value, while the Citi Strata Premier Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Citi Strata Premier Card | Wells Fargo Autograph Visa Credit Card |
|---|---|---|
| Dining | 3X | 3X |
The Wells Fargo Autograph Visa Credit Card wins in 6 of 9 categories. The Citi Strata Premier Card leads in 3.
Hotels
Citi Strata Premier Card earns 3X vs 1X
Flights
Citi Strata Premier Card earns 3X vs 1X
Grocery Stores
Citi Strata Premier Card earns 3X vs 1X
Travel
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Transit
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Streaming
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Phone Bills
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Telecom
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Tolls
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
The Wells Fargo Autograph Visa Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Wells Fargo Autograph Visa Credit Card if you want solid rewards with a lower cost of entry. Choose the Citi Strata Premier Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Wells Fargo Autograph Visa Credit Card ($0/yr) is better for everyday value, while the Citi Strata Premier Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Citi Strata Premier Card | Wells Fargo Autograph Visa Credit Card |
|---|---|---|
| Dining | 3X | 3X |
The Wells Fargo Autograph Visa Credit Card wins in 6 of 9 categories. The Citi Strata Premier Card leads in 3.
Hotels
Citi Strata Premier Card earns 3X vs 1X
Flights
Citi Strata Premier Card earns 3X vs 1X
Grocery Stores
Citi Strata Premier Card earns 3X vs 1X
Travel
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Transit
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Streaming
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Phone Bills
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Telecom
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Tolls
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
The Wells Fargo Autograph Visa Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Wells Fargo Autograph Visa Credit Card if you want solid rewards with a lower cost of entry. Choose the Citi Strata Premier Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| Flights | 3X | 1X |
| Gas Stations | 3X | 3X |
| Grocery Stores | 3X | 1X |
| Hotels | 3X | 1X |
| Phone Bills | 1X | 3X |
| Streaming | 1X | 3X |
| Telecom | 1X | 3X |
| Tolls | 1X | 3X |
| Transit | 1X | 3X |
| Travel | 1X | 3X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
The Citi Strata Premier Card costs $95/yr — that's $95 more than the Wells Fargo Autograph Visa Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Citi Strata Premier Card's extra perks make it worth considering for most cardholders.
Get the Citi Strata Premier Card if you:
Get the Wells Fargo Autograph Visa Credit Card if you:
| Flights | 3X | 1X |
| Gas Stations | 3X | 3X |
| Grocery Stores | 3X | 1X |
| Hotels | 3X | 1X |
| Phone Bills | 1X | 3X |
| Streaming | 1X | 3X |
| Telecom | 1X | 3X |
| Tolls | 1X | 3X |
| Transit | 1X | 3X |
| Travel | 1X | 3X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
The Citi Strata Premier Card costs $95/yr — that's $95 more than the Wells Fargo Autograph Visa Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Citi Strata Premier Card's extra perks make it worth considering for most cardholders.
Get the Citi Strata Premier Card if you:
Get the Wells Fargo Autograph Visa Credit Card if you:
| Flights | 3X | 1X |
| Gas Stations | 3X | 3X |
| Grocery Stores | 3X | 1X |
| Hotels | 3X | 1X |
| Phone Bills | 1X | 3X |
| Streaming | 1X | 3X |
| Telecom | 1X | 3X |
| Tolls | 1X | 3X |
| Transit | 1X | 3X |
| Travel | 1X | 3X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
The Citi Strata Premier Card costs $95/yr — that's $95 more than the Wells Fargo Autograph Visa Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Citi Strata Premier Card's extra perks make it worth considering for most cardholders.
Get the Citi Strata Premier Card if you:
Get the Wells Fargo Autograph Visa Credit Card if you:
