Wells Fargo Autograph vs Amex Hilton Honors
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Amex Hilton Honors wins 2-1. No-fee Hilton card — solid for occasional Hilton stays. 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 | Wells Fargo Autograph | Amex Hilton Honors |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 3% (travel) | 7% (travel) |
| Base reward rate | · 1% | 3% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 20,000 bonus points after $1,000 spend in 3 months | = 70,000 Hilton points after $2,000 spend in 6 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.4/5 | · 4.1/5 |
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 Hilton Honors
- 7x Hilton Honors points at Hilton hotels
- 5x at US restaurants + gas stations
- 3x on everything else
- Hilton Honors Silver status
- No annual fee, no foreign transaction fees
FAQ
›Wells Fargo Autograph vs Amex Hilton Honors: which is better?
Amex Hilton Honors 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 Wells Fargo Autograph for its best categories, Amex Hilton Honors 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 Hilton Honors: 70,000 Hilton points after $2,000 spend in 6 months.