Which card earns more rewards, the Citi Strata Credit Card or Wells Fargo Attune Credit Card?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Strata Credit Card or the Wells Fargo Attune Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Citi Strata Credit Card or Wells Fargo Attune Credit Card?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Strata Credit Card or the Wells Fargo Attune Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Citi Strata Credit Card or Wells Fargo Attune Credit Card?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Strata Credit Card or the Wells Fargo Attune Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

CardRewards

Editorial 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.

Citi Strata Credit Card vs Wells Fargo Attune Credit Card

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Wells Fargo Attune Credit Card wins on fitness. Here's how they compare.

Citi Strata Credit Card

Citi

Wells Fargo Attune Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

—

Earn Rates

Category	Citi Strata Credit Card	Wells Fargo Attune Credit Card
Ev Charging	1X	4X
Farmers Markets	1X	4X
Fitness	1X	4X
Live Entertainment	3X	4X
Movie Theatres	1X	4X
Sustainable Brands	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

+4% cash back on unique wellness and sustainability categories
+No annual fee
+No foreign transaction fee
+Cell phone protection up to $600 with $25 deductible
+12-month 0% intro APR on purchases

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
Lower transfer value compared to premium ThankYou cards

Category-by-Category Winner

Both cards win in 8 categories each — it comes down to which categories matter most to you.

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Wells Fargo Attune Credit Card earns 4X vs 3X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Wells Fargo Attune Credit Card earns 4X vs 3X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Streaming

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Wells Fargo Attune Credit Card?: The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Citi Strata Credit Card or the Wells Fargo Attune Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Wells Fargo Attune Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · Wells Fargo cards

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.

Citi Strata Credit Card vs Wells Fargo Attune Credit Card

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Wells Fargo Attune Credit Card wins on fitness. Here's how they compare.

Citi Strata Credit Card

Citi

Wells Fargo Attune Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

—

Earn Rates

Category	Citi Strata Credit Card	Wells Fargo Attune Credit Card
Ev Charging	1X	4X
Farmers Markets	1X	4X
Fitness	1X	4X
Live Entertainment	3X	4X
Movie Theatres	1X	4X
Sustainable Brands	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

+4% cash back on unique wellness and sustainability categories
+No annual fee
+No foreign transaction fee
+Cell phone protection up to $600 with $25 deductible
+12-month 0% intro APR on purchases

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
Lower transfer value compared to premium ThankYou cards

Category-by-Category Winner

Both cards win in 8 categories each — it comes down to which categories matter most to you.

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Wells Fargo Attune Credit Card earns 4X vs 3X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Wells Fargo Attune Credit Card earns 4X vs 3X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Streaming

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Wells Fargo Attune Credit Card?: The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Citi Strata Credit Card or the Wells Fargo Attune Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Wells Fargo Attune Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · Wells Fargo cards

Citi Strata Credit Card vs Wells Fargo Attune Credit Card

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Wells Fargo Attune Credit Card wins on fitness. Here's how they compare.

Citi Strata Credit Card

Citi

Wells Fargo Attune Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

—

Earn Rates

Category	Citi Strata Credit Card	Wells Fargo Attune Credit Card
Ev Charging	1X	4X
Farmers Markets	1X	4X
Fitness	1X	4X
Live Entertainment	3X	4X
Movie Theatres	1X	4X
Sustainable Brands	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

+4% cash back on unique wellness and sustainability categories
+No annual fee
+No foreign transaction fee
+Cell phone protection up to $600 with $25 deductible
+12-month 0% intro APR on purchases

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
Lower transfer value compared to premium ThankYou cards

Category-by-Category Winner

Both cards win in 8 categories each — it comes down to which categories matter most to you.

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Wells Fargo Attune Credit Card earns 4X vs 3X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Wells Fargo Attune Credit Card earns 4X vs 3X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Streaming

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Wells Fargo Attune Credit Card?: The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Citi Strata Credit Card or the Wells Fargo Attune Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Wells Fargo Attune Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · Wells Fargo cards

−Only 1% on most common spending categories (groceries, gas, travel)
−4% categories are niche and may not align with typical spending
−No transfer partners or premium travel benefits
−Sustainable brand merchants can be inconsistent in coding
−Lower base earn rate than flat-rate 2% cards

Dining

Citi Strata Credit Card earns 2X vs 1X

Fitness

Wells Fargo Attune Credit Card earns 4X vs 1X

Wellness

Wells Fargo Attune Credit Card earns 4X vs 1X

Sustainable Brands

Wells Fargo Attune Credit Card earns 4X vs 1X

Ev Charging

Wells Fargo Attune Credit Card earns 4X vs 1X

Farmers Markets

Wells Fargo Attune Credit Card earns 4X vs 1X

Movie Theatres

Wells Fargo Attune Credit Card earns 4X vs 1X

Which Card Is Right for You?

Get the Citi Strata Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

−Only 1% on most common spending categories (groceries, gas, travel)
−4% categories are niche and may not align with typical spending
−No transfer partners or premium travel benefits
−Sustainable brand merchants can be inconsistent in coding
−Lower base earn rate than flat-rate 2% cards

Dining

Citi Strata Credit Card earns 2X vs 1X

Fitness

Wells Fargo Attune Credit Card earns 4X vs 1X

Wellness

Wells Fargo Attune Credit Card earns 4X vs 1X

Sustainable Brands

Wells Fargo Attune Credit Card earns 4X vs 1X

Ev Charging

Wells Fargo Attune Credit Card earns 4X vs 1X

Farmers Markets

Wells Fargo Attune Credit Card earns 4X vs 1X

Movie Theatres

Wells Fargo Attune Credit Card earns 4X vs 1X

Which Card Is Right for You?

Get the Citi Strata Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

−Only 1% on most common spending categories (groceries, gas, travel)
−4% categories are niche and may not align with typical spending
−No transfer partners or premium travel benefits
−Sustainable brand merchants can be inconsistent in coding
−Lower base earn rate than flat-rate 2% cards

Dining

Citi Strata Credit Card earns 2X vs 1X

Fitness

Wells Fargo Attune Credit Card earns 4X vs 1X

Wellness

Wells Fargo Attune Credit Card earns 4X vs 1X

Sustainable Brands

Wells Fargo Attune Credit Card earns 4X vs 1X

Ev Charging

Wells Fargo Attune Credit Card earns 4X vs 1X

Farmers Markets

Wells Fargo Attune Credit Card earns 4X vs 1X

Movie Theatres

Wells Fargo Attune Credit Card earns 4X vs 1X

Which Card Is Right for You?

Get the Citi Strata Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores