Citi Strata℠ vs Wells Fargo Autograph℠
Side-by-side comparison
| Citi Strata℠ | Wells Fargo Autograph℠ | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 20,000 ThankYou® Points ($200 value) | 20,000 bonus points ($200 value) |
| Dining | 2x | 3x |
| Groceries | 3x | 1x |
| Gas | 3x | 3x |
| Travel | 1x | 3x |
| Streaming | 3x | 3x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $511 | $457 |
| Points type | Pools with Citi → transferable | Transfers to airlines & hotels |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Citi Strata℠ earns about $511 a year in rewards and the Wells Fargo Autograph℠ about $457, valuing every point at a flat 1 cent. The Citi Strata℠ has no annual fee, so its rewards are all profit. The Wells Fargo Autograph℠ has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Citi Strata℠ delivers more total value, about $54 a year more for a typical spender, mostly because it earns more where you spend most, on groceries. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Citi Strata℠ if your spending leans toward groceries. Pick the Wells Fargo Autograph℠ if your spending leans toward dining, travel.