Wells Fargo Autograph vs Amex Blue Cash Preferred
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Wells Fargo Autograph wins 3-2. No-fee 3x on six categories — broader than most no-fee competitors. Amex Blue Cash Preferred is still the right call if suburban families with kids — best us-supermarket card..
Side-by-side
| Criterion | Wells Fargo Autograph | Amex Blue Cash Preferred |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | · 3% (travel) | 6% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 2.7% |
| Welcome bonus | = 20,000 bonus points after $1,000 spend in 3 months | = $250 statement credit after $3,000 in 6 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | · 4.4/5 | 4.5/5 |
Benefits compared
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
Amex Blue Cash Preferred
- 6% cashback on US supermarkets (up to $6K/year, then 1%)
- 6% on streaming subscriptions
- 3% on US gas stations + transit
- 1% on everything else
- 0% intro APR for 12 months
FAQ
›Wells Fargo Autograph vs Amex Blue Cash Preferred: which is better?
Wells Fargo Autograph wins on more dimensions (3 vs 2). 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 Wells Fargo Autograph for its best categories, Amex Blue Cash Preferred for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Wells Fargo Autograph: 20,000 bonus points after $1,000 spend in 3 months. Amex Blue Cash Preferred: $250 statement credit after $3,000 in 6 months.