travel credit cards · Tool Face-Off

Wells Fargo Autograph vs Citi Strata Premier

Quick answer

Citi Strata Premier wins for frequent travelers who want transferable points and broader bonus categories, while Wells Fargo Autograph is the better no-annual-fee everyday card for casual spenders.

Wells Fargo Autograph

No-fee rewards for the everyday adventurer

3.3★

Our pick

Citi Strata Premier

Premium travel points with serious transfer firepower

4.2★

Annual Fee

$95

Sign-up Bonus

20,000 pts ($200) after $1,000 spend in 3 months

75,000 pts ($750) after $4,000 spend in 3 months

Dining Rewards

3x points

Grocery Rewards

1x points

3x points

Hotels & Car Rentals

3x points

10x points (via Citi Travel portal)

Airline / Hotel Transfer Partners

~4 partners (limited)

18+ partners (Turkish, Air France, Wyndham, etc.)

Point Value (cash back)

1 cpp (Wells Fargo Rewards)

Up to 1.6+ cpp via transfers

Foreign Transaction Fee

None

Hotel Savings Benefit

None

$100 off single hotel stay $500+ per year

Gas / EV Charging

3x points

1x points

Streaming Services

3x points

1x points

Travel Insurance / Protections

Basic (roadside, cell phone protection)

Trip cancellation, lost baggage, car rental coverage

Wells Fargo Autograph

Rewards Rate★★★½☆

Travel Perks★★½☆☆

Sign-up Bonus★★★☆☆

Annual Fee Value★★★★★

Bonus Categories★★★½☆

Transfer Partners★★☆☆☆

Citi Strata Premier

Rewards Rate★★★★☆

Travel Perks★★★½☆

Sign-up Bonus★★★★½

Annual Fee Value★★★★☆

Bonus Categories★★★★½

Transfer Partners★★★★½

Worth knowing

Citi Strata Premier's 75k welcome bonus alone is worth ~$750 cash or potentially $1,200+ via airline transfers — that's 7+ years of the annual fee covered upfront.
Wells Fargo Autograph earns 3x on transit, rideshare, and phone plans — handy categories Citi Strata Premier basically ignores.
Citi ThankYou points transfer to Turkish Airlines Miles&Smiles, which is one of the sneakiest sweet spots for Star Alliance awards.
Both cards charge zero foreign transaction fees, so neither will nickel-and-dime you abroad.
Wells Fargo Autograph has no annual fee but also no lounge access, trip delay insurance, or meaningful transfer partners — it's a rewards card wearing a travel card's hat.

Citi's transfer partner Turkish Airlines lets you book United flights for fewer miles than United charges you — Citi is literally helping you cheat on United with United.

If you want

You want maximum rewards with zero annual fee

Autograph's 3x on gas, dining, streaming, transit, and travel beats virtually every other no-fee card in breadth.

→ Pick Wells Fargo Autograph

If you want

You travel several times a year and want to redeem for premium flights or hotels

Strata Premier's 18+ transfer partners and elevated earn on travel categories make aspirational redemptions actually achievable.

→ Pick Citi Strata Premier

If you want

You want the best sign-up bonus bang for your buck

75,000 ThankYou points dwarf the Autograph offer and can be worth well over $1,000 with smart transfers.

→ Pick Citi Strata Premier

If you want

You already have a premium travel card and want a fee-free companion

Autograph plugs gaps (gas, streaming, transit) that most premium cards skip, at absolutely no cost.

→ Pick Wells Fargo Autograph

Citi Strata PremierVSChase Sapphire Preferred

travel credit cards

Capital One Venture XVSBilt Mastercard

Travel Credit Cards

Google VisaVSCapital One Venture X

Travel Credit Cards

Delta SkyMiles Gold AmexVSUnited Explorer Card

Travel Credit Cards

Delta SkyMiles Credit CardVSAmerican Airlines AAdvantage Credit Card

Travel Credit Cards

Discover it MilesVSCapital One VentureOne

travel credit cards

Some links on this page are affiliate links. If you sign up through them, we may earn a commission at no extra cost to you.

Wells Fargo Autograph vs Citi Strata Premier

Wells Fargo Autograph

Citi Strata Premier

Worth knowing

More face-offs like this