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 July 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Citi Strata Premier℠ | Wells Fargo Autograph℠ |
|---|---|---|
| Welcome bonus | 60,000 ThankYou® Points | 20,000 bonus points ($200 value) |
| To earn it | $4,000 in 3 months | $1,000 in 3 months |
| Est. first-year value* | $1,056 | $657 |
| Est. ongoing value / yr* | $456 | $457 |
This one splits by time horizon. In year one the Citi Strata Premier℠ is ahead by roughly $399, thanks largely to its welcome offer. But the Wells Fargo Autograph℠ earns more every year after, so if you keep it, it overtakes the Citi Strata Premier℠ only over the very long haul. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Citi Strata Premier℠. Planning to keep it for years? The Wells Fargo Autograph℠ pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Citi Strata Premier℠ | Wells Fargo Autograph℠ |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Transferable to airline & hotel partners | Transferable to airline & hotel partners |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
The Citi Strata Premier℠ earns Citi ThankYou, which transfers to American Airlines, Turkish, Avianca, and Air France-KLM. The Wells Fargo Autograph℠ earns Wells Fargo Rewards, reaching Air France-KLM, Avianca, British Airways Avios, and Choice. Most transfers are 1:1 on both, so the partners themselves, not the ratios, are what separate them.
The standout difference is the crown-jewel partner: for the Citi Strata Premier℠ it is American Airlines AAdvantage at 1:1, one of the only ways to transfer points to AA; for the Wells Fargo Autograph℠ it is the Avios and Flying Blue families for flexible short-haul and promo awards. Pick the program whose best partners match the trips you would actually book.
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.