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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.

Bigger welcome offer: Citi Strata Premier

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Car rentals · Citi ThankYou Rewards
  • 10×Attractions · Citi ThankYou Rewards
  • 10×Hotels · Citi ThankYou Rewards
  • 3×Hotels · Citi ThankYou Rewards

Key benefits

  • $100 Annual Hotel Benefit · $100
  • Trip Delay Protection · $0
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
  • The Reserve by Citi Travel Hotel Benefits · $0
Full Citi Strata Premier review

Wells Fargo

One Key Card

Annual fee
$0
Network
visa
Welcome value
$300
Min spend
$1,000 / 3mo

Top earning rates

  • 3×Expedia, Hotels.com, and Vrbo · OneKeyCash
  • 3×Gas stations · OneKeyCash
  • 3×Grocery stores · OneKeyCash
  • 3×Dining · OneKeyCash

Key benefits

  • One Key Gold status (Spend Tier) · $0
  • Cellular Telephone Protection · $0
  • Auto Rental Collision Damage Waiver · $0
  • Travel Accident Insurance · $0
  • No foreign transaction fee · $0
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.

Get my personal answer