Citi Strata℠ vs Wells Fargo Signify Business Cash℠
Side-by-side comparison
| Citi Strata℠ | Wells Fargo Signify Business Cash℠ | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 20,000 ThankYou® Points ($200 value) | $500 cash rewards bonus |
| Advertising | 1% | 2% |
| Shipping | 1% | 2% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 2% |
| Travel | 1% | 2% |
| Everything else | 1% | 2% |
| Est. yearly rewards* | $510 | $900 |
| Points type | Pools with Citi → transferable | Pools with Wells Fargo → transferable |
| 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 business spending, the Citi Strata℠ earns about $510 a year in rewards and the Wells Fargo Signify Business Cash℠ about $900, valuing every point at a flat 1 cent. The Citi Strata℠ has no annual fee, so its rewards are all profit. The Wells Fargo Signify Business Cash℠ has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Wells Fargo Signify Business Cash℠ delivers more total value, about $390 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. Both earn points that only unlock airline and hotel transfers once you pair them with a premium card in the same family, so it comes down to which ecosystem you are building: Citi for the Citi Strata℠, Wells Fargo for the Wells Fargo Signify Business Cash℠. On the sign-up bonus, the Wells Fargo Signify Business Cash℠ currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Wells Fargo Signify Business Cash℠ if your spending leans toward advertising, shipping, office supplies.