Citi Strata Premier vs Wells Fargo Reflect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Citi Strata Premier wins 3-2. Replaces Premier — solid mid-tier travel with hotel-direct boost. Wells Fargo Reflect is still the right call if 21-month 0% intro apr — best balance-transfer card on the market..
Side-by-side
| Criterion | Citi Strata Premier | Wells Fargo Reflect |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 10% (travel) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 75,000 ThankYou points after $4,000 spend in 3 months | = No welcome bonus — value is the long 0% APR |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
Citi Strata Premier
- 10x on hotels, car rentals, and attractions via Citi Travel
- 3x at restaurants + supermarkets + gas stations
- 1x on everything else
- $100 hotel benefit on $500+ Citi Travel hotel bookings
- Transfer to 16 airline + hotel partners
Wells Fargo Reflect
- 0% intro APR for 21 months on purchases + balance transfers
- 1% cashback on rotating bonuses (rare for Wells Fargo)
- Cell phone protection
- No annual fee
FAQ
›Citi Strata Premier vs Wells Fargo Reflect: which is better?
Citi Strata Premier wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Citi Strata Premier for its best categories, Wells Fargo Reflect for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Citi Strata Premier: 75,000 ThankYou points after $4,000 spend in 3 months. Wells Fargo Reflect: No welcome bonus — value is the long 0% APR.