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Citi Strata Elite Card vs Wells Fargo Autograph Card

Both are travel travel cards. The Citi Strata Elite Card comes from Citi at $595/yr; the Wells Fargo Autograph Card from Wells Fargo at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Citi Strata Elite Card is the stronger pick today — the sign-up bonus is meaningfully larger ($1,240 more in estimated value) than the Wells Fargo Autograph Card's. Get the Citi Strata Elite Card first; revisit the Wells Fargo Autograph Card after you've earned that bonus.

FeatureCiti Strata Elite CardWells Fargo Autograph Card
Annual fee$595$0
Sign-up bonus80,000 points20,000 points
Bonus value (est.)$1,440$200
Min spend to unlock bonus$6,000 in 3 mo$1,000 in 3 mo
IssuerCitiWells Fargo
Card categorytraveltravel
Best earning category (Hotels_citi)12x1x
Transfer partnersciti-tyNone
Headline benefits
  • 12x on Citi hotels
  • $300 hotel + $200 Splurge + $200 Blacklane
  • 4 Admirals Club passes
  • Citi TY transfer to 16 partners
  • 3x on 6 broad categories
  • No annual fee
  • No FX fees
  • Cell phone protection
Read the full review
Citi Strata Elite Card
$595/yr · 80,000 points
Read the full review
Wells Fargo Autograph Card
$0/yr · 20,000 points

Editorial take: Citi Strata Elite Card

Citi's premium answer to Amex Platinum + Sapphire Reserve. The 12x on Citi-booked hotels is the best earning rate in the category; the $200 Blacklane and 4 Admirals Club passes are differentiated perks. $595 fee penciled out if you'll actually use the hotel + Splurge credits.

Editorial take: Wells Fargo Autograph Card

The best no-annual-fee card for everyday spend in 2026. 3x on six broad categories with no caps trumps almost every other free card. Pair with the Autograph Journey if you want transferable points.

Common questions

Which card has the bigger sign-up bonus, Citi Strata Elite Card or Wells Fargo Autograph Card?
The Citi Strata Elite Card has the bigger bonus — 80,000 points, worth roughly $1,440, versus 20,000 points (~$200) on the Wells Fargo Autograph Card.
Is the Citi Strata Elite Card's $595 annual fee worth it compared to the Wells Fargo Autograph Card?
Premium cards like the Citi Strata Elite Card ($595/yr) earn their fee through credits — travel, dining, lounge access, statement reimbursements. If you'd actively use $595+ of those credits, the math works. The Wells Fargo Autograph Card at $0/yr trades some perks for a lower commitment.
Can I have both the Citi Strata Elite Card and Wells Fargo Autograph Card?
Yes, since they're from different issuers (Citi and Wells Fargo) the application rules don't conflict. Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Citi Strata Elite Card or the Wells Fargo Autograph Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Strata Elite Card: $6,000 spend in 3 months. Wells Fargo Autograph Card: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.