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Side-by-side

Citi Strata Elite Card vs Wells Fargo Autograph Journey

Both are travel travel cards. The Citi Strata Elite Card comes from Citi at $595/yr; the Wells Fargo Autograph Journey from Wells Fargo at $95/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 ($1,350 more in estimated value) than the Wells Fargo Autograph Journey's. Get the Citi Strata Elite Card first; revisit the Wells Fargo Autograph Journey after you've earned that bonus.

FeatureCiti Strata Elite CardWells Fargo Autograph Journey
Annual fee$595$95
Sign-up bonus75,000 points60,000 bonus points
Bonus value (est.)$1,350-
Min spend to unlock bonus$6,000 in 3 mo$4,000 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
  • 5x on flights
  • 4x hotels
  • 6 transfer partners (2024)
  • $50 airline credit
Read the full review
Citi Strata Elite Card
$595/yr · 75,000 points
Read the full review
Wells Fargo Autograph Journey
$95/yr · 60,000 bonus 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 Journey

5x on flights is class-leading at this price point. Wells Fargo added 6 transfer partners in 2024 (Flying Blue, Avianca, BA Avios, Iberia, Aer Lingus, Choice), making this card meaningfully better than before. Worth considering over Sapphire Preferred for frequent flyers.

Common questions

Which card has the bigger sign-up bonus, Citi Strata Elite Card or Wells Fargo Autograph Journey?
The Citi Strata Elite Card has a public bonus (75,000 points, worth roughly $1,350), while the Wells Fargo Autograph Journey doesn't advertise one right now.
Is the Citi Strata Elite Card's $595 annual fee worth it compared to the Wells Fargo Autograph Journey?
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 Journey at $95/yr trades some perks for a lower commitment.
Can I have both the Citi Strata Elite Card and Wells Fargo Autograph Journey?
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 Journey 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 Journey: $4,000 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.