Which card earns more rewards, the Citi Strata Credit Card or Wells Fargo Autograph Visa Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Citi Strata Credit Card or the Wells Fargo Autograph Visa Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Citi Strata Credit Card or Wells Fargo Autograph Visa Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Citi Strata Credit Card or the Wells Fargo Autograph Visa Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Citi Strata Credit Card or Wells Fargo Autograph Visa Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Citi Strata Credit Card or the Wells Fargo Autograph Visa Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Citi Strata Credit Card vs Wells Fargo Autograph Visa Credit Card

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Wells Fargo Autograph Visa Credit Card wins on travel. Here's how they compare.

Citi Strata Credit Card

Citi

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

20,000 Flex point

Earn Rates

Category	Citi Strata Credit Card	Wells Fargo Autograph Visa Credit Card
Cosmetics	3X	1X
Dining	2X	3X
Fitness & Gyms	3X	1X
Gas Stations	3X	3X
Grocery Stores	3X	1X
Live Entertainment	3X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

+3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
+No annual fee with transferable points (rare combination)
+1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
+No spending caps on bonus categories
+No foreign transaction fees

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
Self-Select category can only change quarterly

Category-by-Category Winner

The Citi Strata Credit Card wins in 6 of 11 categories. The Wells Fargo Autograph Visa Credit Card leads in 5.

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Dining

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Travel

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Phone Bills

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Wells Fargo Autograph Visa Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Citi Strata Credit Card or the Wells Fargo Autograph Visa Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Wells Fargo Autograph Visa Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · Wells Fargo cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Citi Strata Credit Card vs Wells Fargo Autograph Visa Credit Card

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Wells Fargo Autograph Visa Credit Card wins on travel. Here's how they compare.

Citi Strata Credit Card

Citi

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

20,000 Flex point

Earn Rates

Category	Citi Strata Credit Card	Wells Fargo Autograph Visa Credit Card
Cosmetics	3X	1X
Dining	2X	3X
Fitness & Gyms	3X	1X
Gas Stations	3X	3X
Grocery Stores	3X	1X
Live Entertainment	3X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

+3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
+No annual fee with transferable points (rare combination)
+1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
+No spending caps on bonus categories
+No foreign transaction fees

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
Self-Select category can only change quarterly

Category-by-Category Winner

The Citi Strata Credit Card wins in 6 of 11 categories. The Wells Fargo Autograph Visa Credit Card leads in 5.

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Dining

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Travel

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Phone Bills

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Wells Fargo Autograph Visa Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Citi Strata Credit Card or the Wells Fargo Autograph Visa Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Wells Fargo Autograph Visa Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · Wells Fargo cards

Citi Strata Credit Card vs Wells Fargo Autograph Visa Credit Card

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Wells Fargo Autograph Visa Credit Card wins on travel. Here's how they compare.

Citi Strata Credit Card

Citi

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

20,000 Flex point

Earn Rates

Category	Citi Strata Credit Card	Wells Fargo Autograph Visa Credit Card
Cosmetics	3X	1X
Dining	2X	3X
Fitness & Gyms	3X	1X
Gas Stations	3X	3X
Grocery Stores	3X	1X
Live Entertainment	3X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

+3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
+No annual fee with transferable points (rare combination)
+1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
+No spending caps on bonus categories
+No foreign transaction fees

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
Self-Select category can only change quarterly

Category-by-Category Winner

The Citi Strata Credit Card wins in 6 of 11 categories. The Wells Fargo Autograph Visa Credit Card leads in 5.

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Dining

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Travel

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Phone Bills

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Wells Fargo Autograph Visa Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Citi Strata Credit Card or the Wells Fargo Autograph Visa Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Wells Fargo Autograph Visa Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · Wells Fargo cards

Citi Strata Credit Card vs Wells Fargo Autograph Visa Credit Card

Citi Strata Credit Card

Wells Fargo Autograph Visa Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Citi Strata Credit Card vs Wells Fargo Autograph Visa Credit Card

Citi Strata Credit Card

Wells Fargo Autograph Visa Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Citi Strata Credit Card vs Wells Fargo Autograph Visa Credit Card

Citi Strata Credit Card

Wells Fargo Autograph Visa Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Which Card Is Right for You?

Which Card Is Right for You?

Which Card Is Right for You?