Citi Strata Premier Card vs Wells Fargo Autograph Visa Credit Card
Annual fees: Citi Strata Premier Card $95/yr, Wells Fargo Autograph Visa Credit Card $0/yr. Strongest bonus categories: Citi Strata Premier Card on hotels, Wells Fargo Autograph Visa Credit Card on travel.
Card data as of November 13, 2026.
Citi Strata Premier CardCiti · $95/yr
Wells Fargo Autograph Visa Credit CardWells Fargo · No annual fee
Overview
- Annual fee
- Citi Strata Premier Card$95Wells Fargo Autograph Visa Credit Card$0Lowest
- Welcome offerCurrent public offer
- Citi Strata Premier Card60,000 pointsWells Fargo Autograph Visa Credit Card20,000 points
- Rewards
- Citi Strata Premier CardCiti ThankYou RewardsWells Fargo Autograph Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Citi Strata Premier CardNoneWells Fargo Autograph Visa Credit CardNone
- Network
- Citi Strata Premier CardMastercard World EliteWells Fargo Autograph Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Citi Strata Premier Card3xWells Fargo Autograph Visa Credit Card3x
- Electric Vehicle Charging
- Citi Strata Premier Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Flights
- Citi Strata Premier Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Gas Stations
- Citi Strata Premier Card3xWells Fargo Autograph Visa Credit Card3x
- Grocery Stores
- Citi Strata Premier Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Hotels
- Citi Strata Premier Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Streaming
- Citi Strata Premier Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Telecom
- Citi Strata Premier Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Transit
- Citi Strata Premier Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Travel
- Citi Strata Premier Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Everything else
- Citi Strata Premier Card1xWells Fargo Autograph Visa Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Citi Strata Premier Card
- $100 hotel credit
Wells Fargo Autograph Visa Credit Card—
Perks & access— means none on record
- Hotel status & programs
- Citi Strata Premier Card
- The Reserve by Citi Travel Luxury Hotel Program
Wells Fargo Autograph Visa Credit Card- Visa Signature Luxury Hotel Collection elite benefits
- Airline perks
- Citi Strata Premier Card
- ThankYou Points Transfer Partners Airlines and Hotels
Wells Fargo Autograph Visa Credit Card— - Other perks
- Citi Strata Premier Card
- Citi Entertainment Presale Tickets and Exclusive Access
- No Foreign Transaction Fees on International Purchases
Wells Fargo Autograph Visa Credit Card- Concierge service, 24/7
- Access to live event presale tickets and experiences
- Emergency cash and expedited card replacement services
- 0% introductory APR on purchases for 12 full months
- Exclusive merchant discounts with My Wells Fargo Deals
- Zero foreign transaction fees on international purchases
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- Pay-per-use 24/7 roadside assistance with towing
- 24/7 travel and emergency assistance services worldwide
- 24/7 Visa Signature Concierge for travel and events
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Citi Strata Premier Card
- Five Thousand Dollar Trip Cancellation and Interruption · up to $5,000
- Five Hundred Dollar Trip Delay Protection Coverage · up to $500
- Travel Protection Benefits
Wells Fargo Autograph Visa Credit Card— - Baggage
- Citi Strata Premier Card
- Three Thousand Dollar Lost or Damaged Luggage Insurance · up to $3,000
Wells Fargo Autograph Visa Credit Card— - Rental car
- Citi Strata Premier Card
- MasterRental Car Insurance Coverage
Wells Fargo Autograph Visa Credit Card- $50,000 auto rental collision damage waiver
- Purchase & returns
- Citi Strata Premier Card
- Ten Thousand Dollar Purchase Protection Theft and Damage · up to $10,000
Wells Fargo Autograph Visa Credit Card— - Extended warranty
- Citi Strata Premier Card
- Extended Warranty Protection Up to Twenty Four Months
Wells Fargo Autograph Visa Credit Card— - Cell phone
- Citi Strata Premier Card—Wells Fargo Autograph Visa Credit Card
- Cellular Telephone Protection · up to $600
- Up to $600 per claim cell phone damage and theft protection
- Other protections
- Citi Strata Premier Card
- Comprehensive identity theft monitoring
- Free FICO Score Access Through Your Citi Account
Wells Fargo Autograph Visa Credit Card- Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
- Pros
- Citi Strata Premier Card
- 3X points on dining, supermarkets, gas and EV charging stations, air travel and other hotel purchases
- 10X points on hotels, car rentals, and attractions through Citi Travel portal
- $95 annual fee with no foreign transaction fees
- Transfer to 18+ airline and hotel partners including American Airlines, JetBlue and Virgin Atlantic
- No foreign transaction fees for international purchases
Wells Fargo Autograph Visa Credit Card- 3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
- No annual fee with transferable points (rare combination)
- 1:1 transfers to airline partners including British Airways, JetBlue, and Virgin Atlantic
- No spending caps on bonus categories
- No foreign transaction fees
- Cons
- Citi Strata Premier Card
- No airport lounge access included
- Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
- 10X portal bonus requires booking through Citi Travel, limiting flexibility
- Welcome bonus lower than competing premium cards (60K vs 75K-90K)
- Points worth 0.75 cent each when redeemed for cash back, less than the 1 cent they get through Citi Travel
Wells Fargo Autograph Visa Credit Card- Only 1X on groceries and general shopping
- Welcome bonus of 20,000 points ($200 value) is modest
- Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
- No premium travel benefits like lounge access or travel insurance
- Penalty APR of 29.99% for late payments
Category-by-Category Winner
Both cards win in 4 categories each — it comes down to which categories matter most to you. 2 more categories depend on booking channel or caps.
Hotels
Citi Strata Premier Card earns 10X vs 1X
10X via issuer travel portal
Car Rentals
Depends: via issuer travel portal
Citi Strata Premier Card earns 10X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Attractions
Depends: via issuer travel portal
Citi Strata Premier Card earns 10X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Electric Vehicle Charging
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
Telecom
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Citi Strata Premier Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Citi Strata Premier Card | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $367 Credits (our usable estimate): $60 − Annual fee ($95) Ongoing: $332 Year one: $1,352 | Rewards: $296 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $296 Year one: $586 | Citi Strata Premier Card | Citi Strata Premier Card |
| Heavy spender: $4,000/month | Rewards: $1,469 Credits (our usable estimate): $60 − Annual fee ($95) Ongoing: $1,434 Year one: $2,454 | Rewards: $1,183 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,183 Year one: $1,473 | Citi Strata Premier Card | Citi Strata Premier Card |
Is the Fee Difference Worth It?
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: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Citi Strata Premier Card needs roughly $95 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
Which Card Is Right for You?
Get the Citi Strata Premier Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Citi Strata Premier Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: Citi Strata Premier Card $95/yr, Wells Fargo Autograph Visa Credit Card $0/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Citi Strata Premier Card worth the higher annual fee?
- The Citi Strata Premier Card costs $95/yr vs $0/yr for the Wells Fargo Autograph Visa Credit Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Citi Strata Premier Card or Wells Fargo Autograph Visa Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Citi Strata Premier Card have that the Wells Fargo Autograph Visa Credit Card doesn't?
- The Citi Strata Premier Card focuses on earn rates, while the Wells Fargo Autograph Visa Credit Card offers cell phone protection.
- Should I get the Citi Strata Premier Card or the Wells Fargo Autograph Visa Credit Card?
- Use the spend scenarios on this page: the Wells Fargo Autograph Visa Credit Card has a lower $0/yr fee; the Citi Strata Premier Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.