Head-to-head · 🇺🇸 United States
Wells Fargo Autograph vs Wells Fargo Active Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Wells Fargo
Wells Fargo Autograph
VISA
Wins 2 of 10
US
Wells Fargo
Wells Fargo Active Cash
VISA
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 | Wells Fargo Active Cash |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 3% (travel) | · 2% (general) |
| Base reward rate | · 1% | 2% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 20,000 bonus points after $1,000 spend in 3 months | = $200 cashback after $500 in first 3 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | · 4.4/5 | 4.5/5 |
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
Wells Fargo Active Cash
- 2% unlimited cashback on every purchase
- No annual fee
- 0% intro APR for 12 months
- Cell phone protection (up to $600/claim)
- Visa Signature concierge
FAQ
›Wells Fargo Autograph vs Wells Fargo Active Cash: which is better?
It's a true tie — pick the one whose boost categories match your spend. Wells Fargo Autograph wins on 2 criteria, Wells Fargo Active Cash 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, Wells Fargo Active Cash 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. Wells Fargo Active Cash: $200 cashback after $500 in first 3 months.