Chase Freedom Flex vs Wells Fargo Autograph
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Freedom Flex wins 2-1. No-fee rotating cashback for category optimizers. Wells Fargo Autograph is still the right call if no-fee 3x on six categories — broader than most no-fee competitors..
Side-by-side
| Criterion | Chase Freedom Flex | Wells Fargo Autograph |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 3% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cashback after $500 spend in first 3 months | = 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 | = 670 | = 670 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
Chase Freedom Flex
- 5% rotating quarterly bonus categories (up to $1,500/quarter)
- 5% on travel via Chase Ultimate Rewards
- 3% on dining + drugstores
- 1% on everything else
- No annual fee
- 0% intro APR for 15 months
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
›Chase Freedom Flex vs Wells Fargo Autograph: which is better?
Chase Freedom Flex wins on more dimensions (2 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 Chase Freedom Flex 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?
Chase Freedom Flex: $200 cashback after $500 spend in first 3 months. Wells Fargo Autograph: 20,000 bonus points after $1,000 spend in 3 months.