Compare Cards: Citi Strata℠ Card vs. Wells Fargo Active Cash vs. American Express® Gold Card

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Earning Rates	Citi Strata℠ Card Citi no-annual-fee Details	Wells Fargo Active Cash Wells Fargo no-annual-fee Details	American Express® Gold Card American Express dininggroceriespremiumtransferable Details
First-year value Welcome offer + annual credits − annual fee	+$340	+$100	+$1,799
Annual Fee	Waived	Waived	$325
Credit Required	Good	Good	Excellent
Foreign Fee	Waived	Waived	Waived
Welcome Offer	20,000 pts Earn 20,000 bonus ThankYou Points after spending $1,000 in first 3 months from account opening Spend $1,000 in 3 mo	$100 Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Spend $500 in 3 mo	100,000 pts As-high-as offer: earn up to 100,000 Membership Rewards points after spending $8,000 in purchases within the first 6 months. Welcome offers vary and applicant may not be eligible. Spend $8,000 in 6 mo
Network	mastercard	visa	amex
Earning Rates
All Other Purchases	2× After $6,000 cap on combined bonus categories, all purchases earn 1x	—	—
All Purchases	—	2× unlimited	—
Dining	4× On first $6,000 per year, then 1x	—	4× Restaurants worldwide, up to $50,000 per calendar year, then 1X
Flights	—	—	3× Flights booked through AmexTravel
Gas Stations	4× On first $6,000 per year, then 1x	—	—
Groceries	—	—	4× U
Other	—	—	1×
Prepaid Car Rentals and Cruises	—	—	2× Prepaid car rentals through AmexTravel
Prepaid Hotels	—	—	5× Prepaid hotels booked through AmexTravel
Supermarkets	4× On first $6,000 per year, then 1x	—	—
Benefits & Credits	Other Benefits ThankYou Points Combinations: Points combine with Citi Strata Premier and Citi Strata Elite for full redemption flexibility FICO Score Access: Free access to your FICO score	—	Annual Credits Uber Cash - $10/month ($120/year) on US Uber rides or Uber Eats Dunkin' Credit - Up to $7/month ($84/year) at US Dunkin' locations Dining Credit (Grubhub / Cheesecake Factory / Goldbelly / Wine.com / Five Guys) - Up to $10/month statement credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine Resy Credit - $50/half ($100/year) at US Resy restaurants or eligible Resy purchases Hotel Status Marriott BonvoyGold Elite Hilton HonorsGold Lounge Access 0 1 Other Benefits Fine Hotels + Resorts: FHR program benefits
Insurance	Secondary Extended Warranty		Trip Delay Secondary Purchase Protection Extended Warranty