Credit Cards » Compare Credit Cards » Wells Fargo Active Cash vs. Autograph Card How They Compare?
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Wells Fargo Active Cash vs. Autograph Card How They Compare?

The Wells Fargo Active Cash is best for cashback and everyday spending, while the Autograph is a clear winner when it comes to travel rewards
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The Wells Fargo Active Cash Card and the Wells Fargo Autograph offer decent rewards and other benefits but in different ways. 

Let's explore the differences and compare the most important factors.

General Comparison: Wells Fargo Active Cash vs. Autograph

The main difference between the two cards is their rewards programs. The Wells Fargo Active Cash® Card offers a simple rewards program that allows you to earn flat rate cash back on all purchases. The Wells Fargo Autograph℠ Card offers a more complex rewards program that allows you to earn more points on gas, restaurants, travel, transit, phone plans and streaming services,

Both cards come with 0% intro APR and no annual fees.

Wells Fargo Autograph

Wells Fargo active cash card

Wells Fargo Autograph℠ Card
Wells Fargo Active Cash Card
Annual Fee
$0
$0
Rewards
3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchases
2% cash rewards on purchases (unlimited)
Welcome bonus
20,000 bonus points when you spend $1,000 in purchases in the first 3 months
$200 cash rewards bonus when you spend $500 in purchases in the first 3 months
0% Intro APR
12 months on purchases
15 months on purchases and qualifying balance transfers, then 20.24% to 29.99% variable APR APR
Foreign Transaction Fee
$0
3%
Purchase APR
20.24% – 29.99% variable
20.24% to 29.99% variable APR
Read Review
Read Review
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Credit Card Rewards Battle: A Side-by-Side Analysis

While the Active Cash offers cashback, the Autograph card offers point rewards that you can redeem for a variety of options.

Apart from that, the rewards' value for the average consumer remains relatively comparable. It becomes crucial, however, to delve into the preferred categories of the Autograph Card. By assessing your expenditures within these specific categories, you can discern which card aligns best with your financial preferences and offers the most optimal fit for your spending habits.

Wells Fargo Autograph

Wells Fargo active cash card

Spend Per Category
Wells Fargo Autograph℠ Card
Wells Fargo Active Cash Card
$15,000 – U.S Supermarkets
15,000 points
$300
$5,000 – Restaurants
15,000 points
$100
$4,000 – Airline
12,000 points
$80
$3,000 – Hotels
9,000 points
$60
$4,000 – Gas
12,000 points
$80
Estimated Annual Value
63,000 (About $630)
$620

Extra Benefits: Wells Fargo Active Cash vs. Autograph

Both cards offer additional benefits including:

  • Cellular Telephone Protection: Receive up to $600 in cell phone protection when paying your monthly cell phone bill with your Wells Fargo card, subject to a $25 deductible.
  • My Wells Fargo Deals: Access personalized deals and earn cashback as an account credit when using your Wells Fargo credit card for shopping, dining, or experiences.
  • Zero Liability Protection: Protection against unauthorized transactions when promptly reported.
  • Credit Close-Up℠: Provides tools and insights to understand, track, raise, or maintain your FICO® Score.

Benefits You'll Get Only With The Autograph Card

The Autograph card targeted frequent travelers, and therefore you'll be able to get more travel insurance and protections:

  • Auto Rental Collision Damage Waiver: Coverage for theft, damage, loss-of-use charges, administrative fees, and towing charges when renting a vehicle.
  • Travel and Emergency Services Assistance: Access to emergency assistance and referral services while traveling.
  • Emergency Cash Disbursement and Card Replacement: Visa credit cardholders can obtain emergency cash advances or card replacements within one to three business days (fees and interest may apply).
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Prefer The Wells Fargo Active Cash?

You might prefer the Wells Fargo Active Cash® Card over the Autograph℠ Card if:

  • You Prefer Cash Back Rewards: For individuals who prioritize consistent and reliable cashback returns, the Wells Fargo Active Cash Card's flat-rate structure provides stability.
  • Diverse Spending Habits: The Wells Fargo Active Cash Card might be a better choice if your spending spans various categories. Unlike cards with specific bonus categories, this card offers a consistent cashback rate across all purchases, making it versatile and suitable for individuals with diverse spending habits.

When You Might Prefer The Wells Fargo Autograph Card?

You might prefer the Autograph℠ Card over the Wells Fargo Active Cash® Card if:

  • Your Spending Aligns Closely With The Autograph Card's Preferred Categories: The Autograph Card may be more attractive if you tend to spend heavily in specific categories. With its preferred categories, you can optimize rewards by aligning them with your most frequent and significant expenses, potentially earning higher cashback rates in those areas.
  • Travel Insurane And Protections: if you are looking for a broader travel insurance and protections, you can get it with the Autograph card.

Compare The Alternatives

Whether you're seeking travel rewards, a straightforward cashback system, or specific perks tailored to your lifestyle, these alternatives have something for everyone.

chase_sapphire_preffered

capital-one-venture

AMEX Blue Cash Preferred Card review

Chase Sapphire Preferred® Card
Capital One Venture Rewards Credit Card
Blue Cash Preferred® Card from American Express
Annual Fee
$95
$95
$95 ($0 intro for the first year)
Rewards
2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
2X – 5X 2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome bonus
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
75,000 miles
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Foreign Transaction Fee
$0
$0
2.70%
Purchase APR
21.24%–28.24% variable APR
19.99% – 29.99% (Variable)
19.24% – 29.99% Variable

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Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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