Citi Strata Credit Card vs Wells Fargo Autograph Journey Visa Credit Card
Annual fees: Citi Strata Credit Card $0/yr, Wells Fargo Autograph Journey Visa Credit Card $95/yr. Strongest bonus categories: Citi Strata Credit Card on hotels, Wells Fargo Autograph Journey Visa Credit Card on hotels.
Card data as of October 12, 2026.
Citi Strata Credit CardCiti · No annual fee
Wells Fargo Autograph Journey Visa Credit CardWells Fargo · $95/yr
Overview
- Annual fee
- Citi Strata Credit Card$0LowestWells Fargo Autograph Journey Visa Credit Card$95
- Welcome offerCurrent public offer
- Citi Strata Credit Card20,000 pointsWells Fargo Autograph Journey Visa Credit Card60,000 points
- Rewards
- Citi Strata Credit CardCiti ThankYou RewardsWells Fargo Autograph Journey Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Citi Strata Credit Card3%Wells Fargo Autograph Journey Visa Credit CardNoneLowest
- Network
- Citi Strata Credit CardMastercardWells Fargo Autograph Journey Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Hotels
- Citi Strata Credit Card1xWells Fargo Autograph Journey Visa Credit Card5xHighest
- Flights
- Citi Strata Credit Card1xWells Fargo Autograph Journey Visa Credit Card4xHighest
- Beauty
- Citi Strata Credit Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Dining
- Citi Strata Credit Card2xWells Fargo Autograph Journey Visa Credit Card3xHighest
- Fitness
- Citi Strata Credit Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Gas Stations
- Citi Strata Credit Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Grocery Stores
- Citi Strata Credit Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Live Entertainment
- Citi Strata Credit Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Pet
- Citi Strata Credit Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Streaming
- Citi Strata Credit Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Top Spend Category
- Citi Strata Credit Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Transit
- Citi Strata Credit Card3xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Travel
- Citi Strata Credit Card1xWells Fargo Autograph Journey Visa Credit Card3xHighest
- Everything else
- Citi Strata Credit Card1xWells Fargo Autograph Journey Visa Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Citi Strata Credit Card—Wells Fargo Autograph Journey Visa Credit Card
- $50 airline credit
Perks & access— means none on record
- Hotel status & programs
- Citi Strata Credit Card—Wells Fargo Autograph Journey Visa Credit Card
- 900+ luxury hotel properties with exclusive perks
- Other perks
- Citi Strata Credit Card
- Citi Entertainment
- Points transfer
Wells Fargo Autograph Journey Visa Credit Card- Visa Signature concierge
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Citi Strata Credit Card—Wells Fargo Autograph Journey Visa Credit Card
- Up to $15,000 per traveler trip cancellation coverage
- Baggage
- Citi Strata Credit Card—Wells Fargo Autograph Journey Visa Credit Card
- Up to $3,000 lost luggage coverage per trip
- Rental car
- Citi Strata Credit Card—Wells Fargo Autograph Journey Visa Credit Card
- 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 Journey Visa Credit Card- Zero liability protection
- Cell phone
- Citi Strata Credit Card—Wells Fargo Autograph Journey Visa Credit Card
- Cellular Telephone Protection · up to $1,000
- Other protections
- Citi Strata Credit Card
- Citi Travel®
- FICO score monitoring
- 24/7 lost/stolen card assistance worldwide
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 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 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 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 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 3 categories each — it comes down to which categories matter most to you. 8 more categories depend on booking channel or caps.
Car Rentals
Depends: via issuer travel portal
Citi Strata Credit Card earns 5X when conditions are met; Wells Fargo Autograph Journey 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 Journey Visa Credit Card earns 1X (1X without restrictions)
Grocery Stores
Citi Strata Credit Card earns 3X vs 1X
Gas Stations
Citi Strata Credit Card earns 3X vs 1X
Transit
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 Journey Visa Credit Card earns 1X (1X without restrictions)
Dining
Wells Fargo Autograph Journey 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 Journey 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 Journey 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 Journey 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 Journey Visa Credit Card earns 1X (1X without restrictions)
Streaming
Depends: 3X applies while Select Streaming Services is 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; it is the default at account opening.
Citi Strata Credit Card earns 3X when conditions are met; Wells Fargo Autograph Journey Visa Credit Card earns 1X (1X without restrictions)
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X 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.
Ongoing value favors the Citi Strata Credit Card; year-one value favors the Wells Fargo Autograph Journey Visa Credit Card.
| Scenario | Citi Strata Credit Card | Wells Fargo Autograph Journey Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $317 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $317 Year one: $637 | Rewards: $261 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $191 Year one: $1,061 | Citi Strata Credit Card | Wells Fargo Autograph Journey Visa Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,267 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,267 Year one: $1,587 | Rewards: $1,044 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $974 Year one: $1,844 | Citi Strata Credit Card | Wells Fargo Autograph Journey Visa Credit Card |
Is the Fee Difference Worth It?
The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr — that's $95 more than the Citi Strata 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.
The Wells Fargo Autograph Journey Visa Credit Card includes travel credits. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $95 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Wells Fargo Autograph Journey Visa Credit Card needs roughly $95 more in annual rewards (or credits you will use) to break even on hotels and flights and everyday spend.
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
Ongoing value favors the Citi Strata Credit Card; year-one value favors the Wells Fargo Autograph Journey Visa Credit Card.
Published annual fees: Citi Strata Credit Card $0/yr, Wells Fargo Autograph Journey Visa Credit Card $95/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?
- The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Citi Strata 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 (the Wells Fargo Autograph Journey Visa Credit Card also lists travel credits).
- Which card earns more rewards, the Citi Strata Credit 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 Credit Card have that the Wells Fargo Autograph Journey Visa Credit Card doesn't?
- The Citi Strata Credit 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 Credit Card or the Wells Fargo Autograph Journey Visa Credit Card?
- Use the spend scenarios on this page: the Citi Strata Credit Card has a lower $0/yr fee; the Wells Fargo Autograph Journey Visa Credit 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 October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.