Citi Strata Premier℠ vs Wells Fargo Autograph℠
Side-by-side comparison
| Citi Strata Premier℠ | Wells Fargo Autograph℠ | |
|---|---|---|
| Annual fee | $95 | No annual fee |
| Welcome offer | 60,000 ThankYou® Points | 20,000 bonus points ($200 value) |
| Dining | 3x | 3x |
| Groceries | 3x | 1x |
| Gas | 3x | 3x |
| Travel | 3x | 3x |
| Streaming | 1x | 3x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $551 | $457 |
| Points type | Transfers to airlines & hotels | 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 Premier℠ earns about $551 a year in rewards and the Wells Fargo Autograph℠ about $457, valuing every point at a flat 1 cent. The Citi Strata Premier℠ charges $95, which you clear through its rewards and perks. The Wells Fargo Autograph℠ has no annual fee, so its rewards are all profit. The two are effectively tied on value, with the Wells Fargo Autograph℠ marginally ahead, mostly because it earns more where you spend most, on streaming. 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 Citi Strata Premier℠ currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Citi Strata Premier℠ if your spending leans toward groceries. Pick the Wells Fargo Autograph℠ if your spending leans toward streaming.