Citi Strata Premier℠ Card vs Wells Fargo Autograph Journey℠ Card

Citi Strata Premier℠ CardCiti Strata Premier℠ Card

Citi

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Wells Fargo Autograph Journey℠ CardWells Fargo Autograph Journey℠ Card

Wells Fargo

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Annual Fee
$95
$95
Card Type
Personal
Personal
Rewards Currency
ThankYou Points
Wells Fargo Rewards
Point Value
1.90¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
60,000 ThankYou Points after $4,000 in 90 days
20,000 Wells Fargo Rewards after $1,000 in 90 days

Effective return by category

CategoryCiti Strata Premier℠ CardWells Fargo Autograph Journey℠ Card
Hotels & Lodging5.70%
3x
5.00%
5x
Airfare5.70%
3x
4.00%
4x
Dining & Restaurants5.70%
3x
3.00%
3x
Groceries5.70%
3x
1.00%
1x
Gas Stations5.70%
3x
1.00%
1x
EV Charging5.70%
3x
1.00%
1x
Travel1.90%
1x
3.00%
3x
Everything else1.90%
1x
1.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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