Wells Fargo Autograph vs Citi Strata Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Wells Fargo Autograph wins 2-1. No-fee 3x on six categories — broader than most no-fee competitors. Citi Strata Premier is still the right call if replaces premier — solid mid-tier travel with hotel-direct boost..
Side-by-side
| Criterion | Wells Fargo Autograph | Citi Strata Premier |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | · 3% (travel) | 10% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 20,000 bonus points after $1,000 spend in 3 months | = 75,000 ThankYou points after $4,000 spend in 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Wells Fargo Autograph
- 3x on dining, travel, gas, transit, streaming, cell phone
- 1x on everything else
- No annual fee, no foreign transaction fees
- 0% intro APR for 12 months
- Cell phone protection up to $600/claim
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
FAQ
›Wells Fargo Autograph vs Citi Strata Premier: which is better?
Wells Fargo Autograph wins on more dimensions (2 vs 1). 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 Wells Fargo Autograph for its best categories, Citi Strata Premier for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Wells Fargo Autograph: 20,000 bonus points after $1,000 spend in 3 months. Citi Strata Premier: 75,000 ThankYou points after $4,000 spend in 3 months.