Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Citi Strata Elite® Card ($595/yr) and the Wells Fargo Autograph Journey℠ Card ($95/yr) comes down to where you spend most. Citi Strata Elite Card needs about $8,335 a month in groceries, gas or other purchases, counting that spending alone, to make up its $500 higher annual fee over Wells Fargo Autograph Journey Card. Below that, Wells Fargo Autograph Journey Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 3%. 12x on hotels/car rentals via Citi Travel, 6x on flights via Citi Travel, 3x on dining. Earns a solid 1.5% on everything else.
Perfect if: You spend enough in bonus categories to easily offset the annual fee.
Apply NowStrongest in hotels at 5%. 5x on hotels, 4x on airlines, 3x on restaurants and other travel.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | Citi Strata Elite Card | Wells Fargo Autograph Journey Card |
|---|---|---|
| Annual Fee | $595 | $95 |
| Sign-Up Bonus | 75,000 points after $6,000 spend in 3 months | 60,000 points after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.5% | 1% |
| Flights Rewards | 1.5% | 4% |
| Hotels Rewards | 1.5% | 5% |
| Other travel Rewards | 1.5% | 3% |
| Dining Rewards | 3% | 3% |
| Rates with conditions not counted in the rows above |
12% through Citi Travel Earns 12% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 1.5%. 6% on flights through Citi Travel Earns 6% only on flights booked through Citi Travel. Flights booked direct with an airline earn the flat 1.5%. |
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| Key Benefits | 12x on hotels/car rentals via Citi Travel, 6x on flights via Citi Travel, 3x on dining. | 5x on hotels, 4x on airlines, 3x on restaurants and other travel. |
Citi Strata Elite Card pulls ahead for groceries, gas spending.
Wells Fargo Autograph Journey Card wins on travel.
The $500/year fee difference means Citi Strata Elite Card needs to earn about that much more in rewards to justify its cost.
Citi Strata Elite Card carries $700/year in credits (mostly tied to specific merchants or bookings), while Wells Fargo Autograph Journey Card carries $50/year in credits (mostly unlocked by everyday bonus-category spending). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.