The Citi Strata and Wells Fargo Autograph are closely matched. Citi Strata wins on 1 categories (30,000 pts signup bonus); Wells Fargo Autograph wins on 1 (20,000 pts signup bonus). The better pick depends on your spending patterns.
Citi Strata vs Wells Fargo Autograph
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Which Card Comes Out Ahead?
Citi Strata and Wells Fargo Autograph are close enough that the better pick depends on where you spend most, how much value you get from perks, and whether you prefer one rewards ecosystem over the other.
Best if you care most about stronger category earning on everyday spend.
Best if your main priority is the larger current welcome offer.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Hotels (Citi Travel) 5x
- Car Rentals (Citi Travel) 5x
- Attractions (Citi Travel) 5x
- Restaurants, Travel, Gas, Transit, Streaming, Phone Plans 3x
- All Other Purchases 1x
- AAdvantage
- AAdvantage
- Accor Live Limitless
- Accor Live Limitless
- Avianca LifeMiles
- +33 more
- Aer Lingus AerClub
- Flying Blue
- Avianca LifeMiles
- British Airways Executive Club
- Iberia Plus
- +4 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Citi Strata and Wells Fargo Autograph are closely matched. Citi Strata wins on 1 categories (30,000 pts signup bonus); Wells Fargo Autograph wins on 1 (20,000 pts signup bonus). The better pick depends on your spending patterns. On raw upside, Citi Strata tops out at 5x versus 3x for Wells Fargo Autograph. Current signup bonus values are roughly $5 for Citi Strata and $200 for Wells Fargo Autograph. Updated June 4, 2026. Source: https://cardcurator.ai/compare/citi-strata-vs-wells-fargo-autograph
- Citi Strata wins 1 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Citi Strata reaches 5x; Wells Fargo Autograph reaches 3x.
- Annual fee: Citi Strata is no annual fee; Wells Fargo Autograph is no annual fee.
- Current public bonus values are approximately $5 and $200.
Common Questions: Citi Strata vs Wells Fargo Autograph
Is the Citi Strata or Wells Fargo Autograph better for dining?
Citi Strata has no dining bonus; Wells Fargo Autograph earns 3x on dining.
Which has the higher signup bonus in 2026?
Citi Strata currently offers 30,000 pts signup bonus (spend $1,000 in 3 months). Wells Fargo Autograph offers 20,000 pts signup bonus (spend $1,000 in 3 months). Wells Fargo Autograph has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Citi Strata and the Wells Fargo Autograph?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Citi Strata is from Citi and Wells Fargo Autograph is from Wells Fargo, so they're governed by separate bank policies.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.