Wells Fargo Autograph vs Amex Delta SkyMiles Gold
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Wells Fargo Autograph wins 4-0. No-fee 3x on six categories — broader than most no-fee competitors. Amex Delta SkyMiles Gold is still the right call if delta loyalists — free first checked bag pays for the fee with one round trip..
Side-by-side
| Criterion | Wells Fargo Autograph | Amex Delta SkyMiles Gold |
|---|---|---|
| Annual fee | No annual fee | · $150 |
| Joining fee | = None | = None |
| Top reward rate | 3% (travel) | · 2% (travel) |
| 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 | = 40,000 SkyMiles after $2,000 spend in 6 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | 4.4/5 | · 4.3/5 |
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 Delta SkyMiles Gold
- 2x miles on Delta + restaurants + US supermarkets
- $200 Delta flight credit annually
- Free first checked bag (worth ~$60 each way)
- Priority Boarding (Zone 5)
- 15% miles discount on award flights
FAQ
›Wells Fargo Autograph vs Amex Delta SkyMiles Gold: which is better?
Wells Fargo Autograph wins on more dimensions (4 vs 0). 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 Delta SkyMiles 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 Delta SkyMiles Gold: 40,000 SkyMiles after $2,000 spend in 6 months.