Head to head 
Citi Strata Premier Card vs. Wells Fargo Autograph Journey Card
On the criteria below, Citi Strata Premier Card wins 2 of 3. The verdict depends on which criteria matter to you.
Citi Strata Premier Card
Citi
Wells Fargo Autograph Journey Card
Wells Fargo
At a glance
Citi Strata Premier Card wins 2 of 3 criteria here, making it the stronger all-rounder.
Citi Strata Premier Card leads on first-year math and earning ceiling, while Wells Fargo Autograph Journey Card only ties the rest.
Pick the Citi Strata Premier Card if year-one math is your priority.
Who wins what
2 vs 0 (1 tie)- First-year math Citi Strata Premier Card
Citi Strata Premier Card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Citi Strata Premier Card
Citi Strata Premier Card earns more on its best category (10× vs 5×).
By the numbers
- Annual fee
- $95
- $95
- Welcome offer (typical value)
- $900
- —
- First-year net
- +$805
- $-95
- Peak earning rate
- 10×
- 5×
- Top categories
- Travel, Travel, Dining
- Hotels, Airlines, Dining
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Citi ThankYou Points
- 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.