Head-to-head · 🇺🇸 United States

Citi Double Cash vs Wells Fargo Autograph

Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.

Citi

Citi Double Cash

Wins 2 of 10

Wells Fargo

Wells Fargo Autograph

VISA

Wins 2 of 10

Verdict

It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.

Side-by-side

Criterion	Citi Double Cash	Wells Fargo Autograph
Annual fee	= No annual fee	= No annual fee
Joining fee	= None	= None
Top reward rate	· 2% (general)	3% (travel)
Base reward rate	2%	· 1%
Forex markup	· 3%	No FX fee
Welcome bonus	= $200 cash back after spending $1,500 in first 6 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	4.5/5	· 4.4/5

Apply for Citi Double Cash Apply for Wells Fargo Autograph

Benefits compared

Citi Double Cash

1% cash back when you buy + 1% when you pay
No annual fee
No category restrictions or rotating bonuses
0% intro APR on balance transfers for 18 months
Convert cash back to ThankYou Points (transferable to airline partners)

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

›Citi Double Cash vs Wells Fargo Autograph: which is better?

It's a true tie — pick the one whose boost categories match your spend. Citi Double Cash wins on 2 criteria, Wells Fargo Autograph on 2.

›Can I get both?

Yes — if your credit profile supports it, holding both is the optimal play. Use Citi Double Cash 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?

Citi Double Cash: $200 cash back after spending $1,500 in first 6 months. Wells Fargo Autograph: 20,000 bonus points after $1,000 spend in 3 months.