Head-to-head · 🇺🇸 United States
Wells Fargo Autograph vs Amex Business Gold
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Wells Fargo
Wells Fargo Autograph
VISA
Wins 2 of 10
US
American Express
Amex Business Gold
AMERICAN
EXPRESS
EXPRESS
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 | Wells Fargo Autograph | Amex Business Gold |
|---|---|---|
| Annual fee | No annual fee | · $375 |
| Joining fee | = None | = None |
| Top reward rate | · 3% (travel) | 4% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 20,000 bonus points after $1,000 spend in 3 months | = 70,000 Membership Rewards points after $10,000 spend in 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 720 |
| 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 Business Gold
- 4x on top 2 categories ($150K cap): airfare, gas, advertising, tech, restaurants, US shipping
- $20 monthly FedEx + Grubhub credit
- $240 Amex Business Line of Credit access
- No foreign transaction fees
FAQ
›Wells Fargo Autograph vs Amex Business Gold: which is better?
It's a true tie — pick the one whose boost categories match your spend. Wells Fargo Autograph wins on 2 criteria, Amex Business Gold on 2.
›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 Business Gold 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 Business Gold: 70,000 Membership Rewards points after $10,000 spend in 3 months.