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CardCurator — Rewards Intelligence
Card Comparison

Citi Strata vs Wells Fargo Reflect

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Citi Strata card art
Citi ThankYou Points
Citi Strata
Citi
More Info
Wells Fargo Reflect card art
Wells Fargo Cash Rewards
Wells Fargo Reflect
Wells Fargo
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
3%
Signup Bonus
30,000 points
Spend $1,000 in 3 months
None
Top Earn Rates
  • Hotels (Citi Travel) 5x
  • Car Rentals (Citi Travel) 5x
  • Attractions (Citi Travel) 5x
1x base rate
Reward Type
miles
cashback
Key Credits
None
None
Transfer Partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
Cash back only
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Common Questions: Citi Strata vs Wells Fargo Reflect

Is the Citi Strata or Wells Fargo Reflect better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

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 Reflect offers no current bonus. Citi Strata has the larger bonus.

Which card is better for international travel?

Citi Strata charges no foreign transaction fees — the better pick for international use. Wells Fargo Reflect charges 3% on foreign purchases.

Can I hold both the Citi Strata and the Wells Fargo Reflect?

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 Reflect is from Wells Fargo, so they're governed by separate bank policies.