Wells Fargo Autograph vs Bank of America Premium Rewards
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Wells Fargo Autograph wins 3-1. No-fee 3x on six categories — broader than most no-fee competitors. Bank of America Premium Rewards is still the right call if boa preferred rewards clients — up to 2.625x with $100k relationship..
Side-by-side
| Criterion | Wells Fargo Autograph | Bank of America Premium Rewards |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | 3% (travel) | · 2% (travel) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 20,000 bonus points after $1,000 spend in 3 months | = 60,000 points after $4,000 spend in 90 days |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 720 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
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
Bank of America Premium Rewards
- 2x on travel + dining
- 1.5x on everything else
- Up to 75% bonus for Preferred Rewards (Platinum Honors tier)
- $100 annual airline incidental credit
- $100 Global Entry/TSA PreCheck credit
FAQ
›Wells Fargo Autograph vs Bank of America Premium Rewards: which is better?
Wells Fargo Autograph wins on more dimensions (3 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, Bank of America Premium Rewards 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. Bank of America Premium Rewards: 60,000 points after $4,000 spend in 90 days.