Citi Diamond Preferred Card vs. Wells Fargo Autograph Journey Card
On the criteria below, Wells Fargo Autograph Journey Card wins 3 of 5. The verdict depends on which criteria matter to you.
Citi Diamond Preferred Card
Citi
Wells Fargo Autograph Journey Card
Wells Fargo
Wells Fargo Autograph Journey Card wins 3 of 5 criteria here, making it the stronger all-rounder.
Citi Diamond Preferred Card wins on first-year math and annual fee; Wells Fargo Autograph Journey Card wins on earning ceiling, travel insurance, and foreign transactions.
Pick the Citi Diamond Preferred Card if year-one math is your priority; take the Citi Diamond Preferred Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 3- First-year math Citi Diamond Preferred Card
Citi Diamond Preferred Card wins on bonus value minus annual fee.
- Annual fee Citi Diamond Preferred Card
Citi Diamond Preferred Card is $95 cheaper to keep.
- Earning ceiling Wells Fargo Autograph Journey Card
Wells Fargo Autograph Journey Card earns more on its best category (5× vs 0×).
- Travel insurance Wells Fargo Autograph Journey Card
Wells Fargo Autograph Journey Card carries built-in travel insurance.
- Foreign transactions Wells Fargo Autograph Journey Card
Wells Fargo Autograph Journey Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- $95
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- $-95
- Peak earning rate
- —
- 5×
- Top categories
- —
- Hotels, Airlines, Dining
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- —
- Wells Fargo Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.