Citi Strata Credit Card vs Wells Fargo Autograph Visa Credit Card
Both cards cost $0/yr. The Citi Strata Credit Card leads on hotels; the Wells Fargo Autograph Visa Credit Card on travel.
Card data as of November 13, 2026.
Citi Strata Credit CardCiti · No annual fee
Wells Fargo Autograph Visa Credit CardWells Fargo · No annual fee
Overview
- Annual fee
- Citi Strata Credit Card$0Wells Fargo Autograph Visa Credit Card$0
- Welcome offerCurrent public offer
- Citi Strata Credit Card20,000 pointsWells Fargo Autograph Visa Credit Card20,000 points
- Rewards
- Citi Strata Credit CardCiti ThankYou RewardsWells Fargo Autograph Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Citi Strata Credit Card3%Wells Fargo Autograph Visa Credit CardNoneLowest
- Network
- Citi Strata Credit CardMastercardWells Fargo Autograph Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Beauty
- Citi Strata Credit Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Dining
- Citi Strata Credit Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Electric Vehicle Charging
- Citi Strata Credit Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Fitness
- Citi Strata Credit Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Gas Stations
- Citi Strata Credit Card3xWells Fargo Autograph Visa Credit Card3x
- Grocery Stores
- Citi Strata Credit Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Live Entertainment
- Citi Strata Credit Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Pet
- Citi Strata Credit Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Streaming
- Citi Strata Credit Card3xWells Fargo Autograph Visa Credit Card3x
- Telecom
- Citi Strata Credit Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Top Spend Category
- Citi Strata Credit Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Transit
- Citi Strata Credit Card3xWells Fargo Autograph Visa Credit Card3x
- Travel
- Citi Strata Credit Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Everything else
- Citi Strata Credit Card1xWells Fargo Autograph Visa Credit Card1x
Perks & access— means none on record
- Hotel status & programs
- Citi Strata Credit Card—Wells Fargo Autograph Visa Credit Card
- Visa Signature Luxury Hotel Collection elite benefits
- Other perks
- Citi Strata Credit Card
- Citi Entertainment
- Points transfer
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
Show 3 moreShow fewer
- 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
- Rental car
- Citi Strata Credit Card—Wells Fargo Autograph Visa Credit Card
- $50,000 auto rental collision damage waiver
- Purchase & returns
- Citi Strata Credit Card
- Mastercard® ID Theft Protection
- Zero Liability on unauthorized transactions
- Purchase Protection up to $1,000 per claim
Wells Fargo Autograph Visa Credit Card— - Cell phone
- Citi Strata Credit 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 Credit Card
- Citi Travel®
- FICO score monitoring
- 24/7 lost/stolen card assistance worldwide
Wells Fargo Autograph Visa Credit Card- Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
- Pros
- Citi Strata Credit Card
- No annual fee
- 20,000 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)
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 Credit Card
- 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
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
The Wells Fargo Autograph Visa Credit Card wins in 3 of 5 categories. The Citi Strata Credit Card leads in 2. 8 more categories depend on booking channel or caps.
Hotels
Depends: via issuer travel portal
Citi Strata Credit Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Car Rentals
Depends: via issuer travel portal
Citi Strata Credit Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Attractions
Depends: via issuer travel portal
Citi Strata Credit Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Grocery Stores
Citi Strata Credit Card earns 3X vs 1X
Electric Vehicle Charging
Citi Strata Credit Card earns 3X vs 1X
Top Spend Category
Depends: Must select category at citi.com/selfselect
Citi Strata Credit Card earns 3X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Dining
Wells Fargo Autograph Visa Credit Card earns 3X vs 2X
Beauty
Depends: 3X applies only if cosmetic stores/barber shops/hair salons is chosen as the one Self-Select Category (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores), changeable once each calendar quarter; the default is Select Streaming Services.
Citi Strata Credit Card earns 3X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Fitness
Depends: 3X applies only if fitness clubs is chosen as the one Self-Select Category (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores), changeable once each calendar quarter; the default is Select Streaming Services.
Citi Strata Credit Card earns 3X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Live Entertainment
Depends: 3X applies only if live entertainment is chosen as the one Self-Select Category (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores), changeable once each calendar quarter; the default is Select Streaming Services.
Citi Strata Credit Card earns 3X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Pet
Depends: 3X applies only if pet supply stores is chosen as the one Self-Select Category (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores), changeable once each calendar quarter; the default is Select Streaming Services.
Citi Strata Credit Card earns 3X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Travel
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 Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Citi Strata Credit Card | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $337 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $337 Year one: $677 | Rewards: $296 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $296 Year one: $586 | Citi Strata Credit Card | Citi Strata Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,346 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,346 Year one: $1,686 | Rewards: $1,183 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,183 Year one: $1,473 | Citi Strata Credit Card | Citi Strata Credit Card |
Which Card Is Right for You?
Get the Citi Strata Credit Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Citi Strata Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Citi Strata Credit 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 Credit Card have that the Wells Fargo Autograph Visa Credit Card doesn't?
- The Citi Strata Credit Card focuses on earn rates, while the Wells Fargo Autograph Visa Credit Card offers cell phone protection.
- Should I get the Citi Strata Credit Card or the Wells Fargo Autograph Visa 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.
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.