Citi Strata℠ Card vs Wells Fargo Choice Privileges Mastercard
Citi Strata℠ Card earns more in 10 of the 12 categories we track. Neither has an annual fee.
The basics
| Detail | Citi Strata℠ Card | Wells Fargo Choice Privileges Mastercard |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | ThankYou Points | Choice Privileges Points |
| Each point is worth | 1.00¢ | 0.75¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | 20,000 ThankYou Points after $1,000 in 90 days | 40,000 Choice Privileges Points after $1,000 in 3 months |
What each earns
| Category | Citi Strata℠ Card | Wells Fargo Choice Privileges Mastercard |
|---|---|---|
| Card Travel Portals | 5.0% (higher) 5x | 0.8% 1x |
| Groceries | 3.0% (higher) 3x | 2.3% 3x |
| EV Charging | 3.0% (higher) 3x | 2.3% 3x |
| Gas Stations | 3.0% (higher) 3x | 2.3% 3x |
| Rideshare & Transit | 3.0% (higher) 3x | 0.8% 1x |
| Gym & Fitness | 3.0% (higher) 3x | 0.8% 1x |
| Streaming | 3.0% (higher) 3x | 0.8% 1x |
| Entertainment | 3.0% (higher) 3x | 0.8% 1x |
| Home Improvement | 1.0% 1x | 2.3% (higher) 3x |
| Phone & Wireless | 1.0% 1x | 2.3% (higher) 3x |
| Dining & Restaurants | 2.0% (higher) 2x | 0.8% 1x |
| Everything else | 1.0% (higher) 1x | 0.8% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
Ask the advisor