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All comparisons
Head-to-head, 2026

Citi Strata Premier Wells Fargo One Key+ Card

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Citi Strata PremierBigger welcome offer: Citi Strata Premier

Citi

Strata Premier

Annual fee
$95
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×car rentals · Citi ThankYou Points
  • 10×attractions · Citi ThankYou Points
  • 10×hotels · Citi ThankYou Points
  • 3×hotels · Citi ThankYou Points

Key benefits

  • Points Transfer to Partners · $150
  • $200 Annual Hotel Benefit · $100
  • Travel Protection Benefits · $50
  • No Foreign Transaction Fees · $30
  • Citi Entertainment® · $20
Full Citi Strata Premier review

Wells Fargo

One Key+ Card

Annual fee
$99
Network
visa
Welcome value
$400
Min spend
$3,000 / 3mo

Top earning rates

  • 3×hotels.com · One Key
  • 3×vrbo · One Key
  • 3×expedia · One Key
  • 3×grocery_stores · One Key

Key benefits

  • 3% on Gas, Groceries, and Dining · $360
  • Automatic One Key Gold Status · $300
  • Unlock Platinum Status (Spend Tier) · $200
  • 2% Base Rewards Rate · $200
  • Cellular Telephone Protection · $100
Full Wells Fargo One Key+ Card review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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