Discover it Cash Back vs Wells Fargo Autograph
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Discover it Cash Back wins 2-1. Rotating-category optimizers; first card for thin-credit-file applicants 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 | Discover it Cash Back | 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 | · 1% | No FX fee |
| Welcome bonus | = Cashback Match — Discover doubles your first-year cashback automatically | = 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 |
Benefits compared
Discover it Cash Back
- 5% cashback on rotating quarterly categories (Amazon, gas, restaurants, grocery)
- 1% cashback on everything else
- Cashback Match: Discover matches all cash back earned in your first year
- No annual fee
- Free FICO score on every statement
- No foreign transaction fees
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
›Discover it Cash Back vs Wells Fargo Autograph: which is better?
Discover it Cash Back 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 Discover it Cash Back 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?
Discover it Cash Back: Cashback Match — Discover doubles your first-year cashback automatically. Wells Fargo Autograph: 20,000 bonus points after $1,000 spend in 3 months.