Wells Fargo Autograph vs Citi AAdvantage Platinum Select
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Wells Fargo Autograph wins 4-0. No-fee 3x on six categories — broader than most no-fee competitors. Citi AAdvantage Platinum Select is still the right call if american airlines loyalists — free checked bag + boarding..
Side-by-side
| Criterion | Wells Fargo Autograph | Citi AAdvantage Platinum Select |
|---|---|---|
| Annual fee | No annual fee | · $99 |
| 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 | = 50,000 AA miles after $2,500 spend in 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | 4.4/5 | · 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
Citi AAdvantage Platinum Select
- 2x miles on American Airlines + dining + gas
- 1x on everything else
- Free first checked bag for cardholder + 4 companions
- Preferred boarding
- Annual fee waived first year
FAQ
›Wells Fargo Autograph vs Citi AAdvantage Platinum Select: 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, Citi AAdvantage Platinum Select 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. Citi AAdvantage Platinum Select: 50,000 AA miles after $2,500 spend in 3 months.