Autograph vs Strata Premier
No-fee 3x categories vs $95 transferable points.
Wells Fargo Autograph
Wells Fargo
- Our rating
- 8.3/10
- Welcome bonus
- 20,000 points
- Bonus value
- ≈$200
- Annual fee
- $0
- Credits, max/yr
- $0
- Foreign txn fee
- None
Top earning rates
- 3x Restaurants, travel, gas, transit, streaming, phone plans
- 1x Everything else
Citi Strata Premier
Citi
- Our rating
- 8.6/10
- Welcome bonus
- 75,000 points
- Bonus value
- ≈$1,350
- Annual fee
- $95
- Credits, max/yr
- $100
- Foreign txn fee
- None
Top earning rates
- 10x Hotels, car rentals, attractions via Citi Travel
- 3x Restaurants, supermarkets, gas, EV charging, air travel, hotels
- 1x All other purchases
The Compound Verdict
Our ratings give it to the Citi Strata Premier (8.6 vs 8.3). On current welcome offers, the Strata Premier brings the bigger first-year haul at ≈$1,350. The fee gap is $95 a year, so make sure the extra credits and multipliers actually fit your spend.
Read the full reviews for the complete math: Autograph review and Strata Premier review, or put them side by side in the comparison tool.