Citi Strata Premier Card vs Wells Fargo Autograph Journey Visa Credit Card
Both cards cost $95/yr. The Citi Strata Premier Card leads on hotels; the Wells Fargo Autograph Journey Visa Credit Card on hotels.
Card data as of October 12, 2026.
Citi Strata Premier CardCiti · $95/yr
Wells Fargo Autograph Journey Visa Credit CardWells Fargo · $95/yr
Overview
- Annual fee
- Citi Strata Premier Card$95Wells Fargo Autograph Journey Visa Credit Card$95
- Welcome offerCurrent public offer
- Citi Strata Premier Card60,000 pointsWells Fargo Autograph Journey Visa Credit Card60,000 points
- Rewards
- Citi Strata Premier CardCiti ThankYou RewardsWells Fargo Autograph Journey Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Citi Strata Premier CardNoneWells Fargo Autograph Journey Visa Credit CardNone
- Network
- Citi Strata Premier CardMastercard World EliteWells Fargo Autograph Journey Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Hotels
- Citi Strata Premier Card3xWells Fargo Autograph Journey Visa Credit Card5xHighest
- Flights
- Citi Strata Premier Card3xWells Fargo Autograph Journey Visa Credit Card4xHighest
- Dining
- Citi Strata Premier Card3xWells Fargo Autograph Journey Visa Credit Card3x
- Gas Stations
- Citi Strata Premier Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Grocery Stores
- Citi Strata Premier Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Travel
- Citi Strata Premier Card1xWells Fargo Autograph Journey Visa Credit Card3xHighest
- Everything else
- Citi Strata Premier Card1xWells Fargo Autograph Journey Visa Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Citi Strata Premier Card
- $100 hotel credit
Wells Fargo Autograph Journey Visa Credit Card- $50 airline credit
Perks & access— means none on record
- Hotel status & programs
- Citi Strata Premier Card
- The Reserve by Citi Travel Luxury Hotel Program
Wells Fargo Autograph Journey Visa Credit Card- 900+ luxury hotel properties with exclusive perks
- Airline perks
- Citi Strata Premier Card
- ThankYou Points Transfer Partners Airlines and Hotels
Wells Fargo Autograph Journey 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 Journey Visa Credit Card- Visa Signature concierge
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 Journey Visa Credit Card- Up to $15,000 per traveler trip cancellation coverage
- Baggage
- Citi Strata Premier Card
- Three Thousand Dollar Lost or Damaged Luggage Insurance · up to $3,000
Wells Fargo Autograph Journey Visa Credit Card- Up to $3,000 lost luggage coverage per trip
- Rental car
- Citi Strata Premier Card
- MasterRental Car Insurance Coverage
Wells Fargo Autograph Journey Visa Credit Card- 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 Journey Visa Credit Card- Zero liability protection
- Extended warranty
- Citi Strata Premier Card
- Extended Warranty Protection Up to Twenty Four Months
Wells Fargo Autograph Journey Visa Credit Card— - Cell phone
- Citi Strata Premier Card—Wells Fargo Autograph Journey Visa Credit Card
- Cellular Telephone Protection · up to $1,000
- Other protections
- Citi Strata Premier Card
- Comprehensive identity theft monitoring
- Free FICO Score Access Through Your Citi Account
Wells Fargo Autograph Journey Visa Credit Card- Credit Close-up monitoring
- Travel and Emergency Services Assistance
- Emergency Cash Disbursement and Card Replacement
- Roadside Dispatch®
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 Journey Visa Credit Card- 5x on hotels booked direct and 4x on airlines - among highest travel earn rates
- 1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
- $50 annual airline credit covers most of the $95 fee
- Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
- Cell phone protection up to $1,000 with $25 deductible
- 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 Journey Visa Credit Card- $95 annual fee (though offset by airline credit)
- Fewer transfer partners than Chase or Amex
- Must book hotels directly to earn 5x (not through OTAs)
- No lounge access
- Welcome offer requires $4,000 spend in 3 months
Category-by-Category Winner
Both cards win in 2 categories each — it comes down to which categories matter most to you. 3 more categories depend on booking channel or caps.
Hotels
Depends: via issuer travel portal
Citi Strata Premier Card earns 10X when conditions are met; Wells Fargo Autograph Journey Visa Credit Card earns 5X (5X without restrictions)
Car Rentals
Depends: via issuer travel portal
Citi Strata Premier Card earns 10X when conditions are met; Wells Fargo Autograph Journey 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 Journey Visa Credit Card earns 1X (1X without restrictions)
Gas Stations
Citi Strata Premier Card earns 3X vs 1X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 3X
Grocery Stores
Citi Strata Premier Card earns 3X vs 1X
Travel
Wells Fargo Autograph Journey 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 Journey Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $346 Credits (our usable estimate): $60 − Annual fee ($95) Ongoing: $311 Year one: $1,271 | Rewards: $261 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $191 Year one: $1,061 | Citi Strata Premier Card | Citi Strata Premier Card |
| Heavy spender: $4,000/month | Rewards: $1,382 Credits (our usable estimate): $60 − Annual fee ($95) Ongoing: $1,347 Year one: $2,307 | Rewards: $1,044 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $974 Year one: $1,844 | Citi Strata Premier Card | Citi Strata Premier Card |
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).
Frequently Asked Questions
- Which card earns more rewards, the Citi Strata Premier Card or Wells Fargo Autograph Journey 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 Journey Visa Credit Card doesn't?
- The Citi Strata Premier Card focuses on earn rates, while the Wells Fargo Autograph Journey Visa Credit Card offers travel credits, cell phone protection.
- Should I get the Citi Strata Premier Card or the Wells Fargo Autograph Journey Visa Credit Card?
- Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.