Bank of America Travel Rewards vs Wells Fargo Autograph
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Wells Fargo Autograph wins 3-1. No-fee 3x on six categories — broader than most no-fee competitors. Bank of America Travel Rewards is still the right call if no-fee travel — 1.5x flat with no fx markup, plus preferred rewards bumps.
Side-by-side
| Criterion | Bank of America Travel Rewards | Wells Fargo Autograph |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 1.5% (general) | 3% (travel) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 25,000 online bonus points after $1,000 in first 90 days (~$250 travel) | = 20,000 bonus points after $1,000 spend in 3 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | · 4.3/5 | 4.4/5 |
Benefits compared
Bank of America Travel Rewards
- 1.5x points on every purchase
- Up to 75% bonus for Preferred Rewards clients (1.5x → 2.625x)
- Points redeem against any travel purchase, no blackout dates
- No foreign transaction fees
- No annual fee
Wells Fargo Autograph
- 3x on dining, travel, gas, transit, streaming, cell phone
- 1x on everything else
- No annual fee, no foreign transaction fees
- 0% intro APR for 12 months
- Cell phone protection up to $600/claim
FAQ
›Bank of America Travel Rewards vs Wells Fargo Autograph: which is better?
Wells Fargo Autograph wins on more dimensions (3 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Bank of America Travel Rewards for its best categories, Wells Fargo Autograph for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Bank of America Travel Rewards: 25,000 online bonus points after $1,000 in first 90 days (~$250 travel). Wells Fargo Autograph: 20,000 bonus points after $1,000 spend in 3 months.