Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Citi Strata Elite Card vs Wells Fargo Signify Business Cash

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

FeatureCiti Strata Elite CardWells Fargo Signify Business Cash
Annual fee$595$0
Sign-up bonus75,000 points
Bonus value (est.)$1,350-
Min spend to unlock bonus$6,000 in 3 mo-
IssuerCitiWells Fargo
Card categorytravelbusiness
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
    Read the full review
    Citi Strata Elite Card
    $595/yr · 75,000 points
    Read the full review
    Wells Fargo Signify Business Cash
    $0/yr ·

    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 Signify Business Cash

    Common questions

    Which card has the bigger sign-up bonus, Citi Strata Elite Card or Wells Fargo Signify Business Cash?
    The Citi Strata Elite Card has a public bonus (75,000 points, worth roughly $1,350), while the Wells Fargo Signify Business Cash doesn't advertise one right now.
    Is the Citi Strata Elite Card's $595 annual fee worth it compared to the Wells Fargo Signify Business Cash?
    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 Signify Business Cash at $0/yr trades some perks for a lower commitment.
    Can I have both the Citi Strata Elite Card and Wells Fargo Signify Business Cash?
    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 Signify Business Cash 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 Signify Business Cash: no published min spend. 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.