Citi Strata℠ Card
Points
Citi Strata℠ Card
Citi - Mastercard - Credit card
4.5
4.5 out of 5
9.0/10
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Head-to-head
Citi Strata℠ Card vs Wells Fargo One Key+™ Card
Compare Citi Strata℠ Card and Wells Fargo One Key+™ Card side by side: fees, rewards, APR, and perks.
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Wells Fargo One Key+™ Card
Points
Wells Fargo One Key+™ Card
Wells Fargo - Mastercard - Credit card
4.6
4.6 out of 5
9.2/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Citi Strata℠ Card | Wells Fargo One Key+™ Card |
|---|---|---|
| Card fee | No fee | $99 USD/yr |
| Purchase APR (from) | 18.49% | 18.49% |
| Interest-free period | - | - |
| Foreign transaction fee | 3% | 0% |
| Rewards | 5X ThankYou Points on Citi Travel bookings; 3X on supermarkets, transit, gas/EV charging, and one quarterly self-select bonus category (fitness, streaming, entertainment, cosmetics, or pet supplies); 2X at restaurants; 1X on everything else. | 3% OneKeyCash on Expedia, Hotels.com, and Vrbo; 3% at gas stations, grocery stores, and dining; 2% on all other purchases. Plus $100 annual anniversary OneKeyCash credit. |
| Installments | Citi Flex Pay available | - |
| No card fee | - | |
| No foreign transaction fee | - | |
| Welcome bonus | ||
| Airport lounge access | - | - |
| Travel insurance | - | |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Citi Strata℠ Card if its checked rows above line up with how you spend most.
- Choose the Wells Fargo One Key+™ Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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