Citi Strata Card vs Wells Fargo Autograph Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Citi Strata Card
Estimated value every year on typical spending
$528/ year
Every year, after the annual fee. No welcome bonus.
Wells Fargo Autograph Card
Estimated value every year on typical spending
$528/ year
Every year, after the annual fee. Year one adds a $200 welcome bonus: $728
The short answer
- On typical spending both cards are worth about $528 a year after fees.
- The Citi Strata Card earns more on groceries.
- The Wells Fargo Autograph Card earns more on dining, travel.
Side by side
| Citi Strata Card | Wells Fargo Autograph Card | |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards | 5x points on Hotels, Car Rentals, and Attractions booked through cititravel.com; 3x points at Supermarkets, Gas & EV Charging Stations, and on an eligible Self-Select Category | 3X points on restaurants, travel, gas, transit, popular streaming services, and phone plans; 1X points on other purchases |
| Welcome bonus | None | Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value. |
| Credits counted | $0/yr | $0/yr |
| Intro APR | Not listed | 0% for the first 12 months |
| Regular APR | Not listed | 18.74% to 24.74% variable |
| Foreign transaction fee | % of the U.S. dollar amount of each purchase. | None |
| Credit needed | Not specified | Not specified |
Yearly rewards by category
| Category (monthly spend) | Citi Strata Card | Wells Fargo Autograph Card |
|---|---|---|
| groceries ($500) | $180 | $60 |
| dining ($400) | $96 | $144 |
| gas ($200) | $72 | $72 |
| travel ($300) | $36 | $108 |
| everything else ($1,200) | $144 | $144 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Citi Strata Card or the Wells Fargo Autograph Card?
On typical spending the Citi Strata Card is worth more: about $528 a year after its fee, against $528 for the Wells Fargo Autograph Card. Which is better for you depends on where you spend most; see the category answers below.
Which is better for groceries?
The Citi Strata Card. On $500 a month of groceries it earns about $180 a year, against $60 with the Wells Fargo Autograph Card.
Which is better for dining?
The Wells Fargo Autograph Card. On $400 a month of dining it earns about $144 a year, against $96 with the Citi Strata Card.
Which is better for travel?
The Wells Fargo Autograph Card. On $300 a month of travel it earns about $108 a year, against $36 with the Citi Strata Card.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.