American Express Green Card vs Wells Fargo Autograph Visa Credit Card
Annual fees: American Express Green Card $150/yr, Wells Fargo Autograph Visa Credit Card $0/yr. Strongest bonus categories: American Express Green Card on travel, Wells Fargo Autograph Visa Credit Card on travel.
Card data as of October 12, 2026.
American Express Green CardAmerican Express · $150/yr
Wells Fargo Autograph Visa Credit CardWells Fargo · No annual fee
Overview
- Annual fee
- American Express Green Card$150Wells Fargo Autograph Visa Credit Card$0Lowest
- Welcome offerCurrent public offer
- American Express Green Card40,000 pointsWells Fargo Autograph Visa Credit Card20,000 points
- Rewards
- American Express Green CardAmerican Express Membership RewardsWells Fargo Autograph Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- American Express Green CardNoneWells Fargo Autograph Visa Credit CardNone
- Network
- American Express Green CardAmerican ExpressWells Fargo Autograph Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Dining
- American Express Green Card3xWells Fargo Autograph Visa Credit Card3x
- Gas Stations
- American Express Green Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Ridesharing
- American Express Green Card3xHighestWells Fargo Autograph Visa Credit Card1x
- Streaming
- American Express Green Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Telecom
- American Express Green Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Transit
- American Express Green Card3xWells Fargo Autograph Visa Credit Card3x
- Travel
- American Express Green Card3xWells Fargo Autograph Visa Credit Card3x
- Everything else
- American Express Green Card1xWells Fargo Autograph Visa Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- American Express Green Card
- $100 LoungeBuddy credit
Wells Fargo Autograph Visa Credit Card—
Perks & access— means none on record
- Hotel status & programs
- American Express Green Card—Wells Fargo Autograph Visa Credit Card
- Visa Signature Luxury Hotel Collection elite benefits
- Other perks
- American Express Green Card
- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
Wells Fargo Autograph Visa Credit Card- Concierge service, 24/7
- Access to live event presale tickets and experiences
- Emergency cash and expedited card replacement services
- 0% introductory APR on purchases for 12 full months
- Exclusive merchant discounts with My Wells Fargo Deals
- Zero foreign transaction fees on international purchases
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- Pay-per-use 24/7 roadside assistance with towing
- 24/7 travel and emergency assistance services worldwide
- 24/7 Visa Signature Concierge for travel and events
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- American Express Green Card
- Trip delay coverage up to $300 per trip after 12 hours
Wells Fargo Autograph Visa Credit Card— - Baggage
- American Express Green Card
- Baggage insurance up to $1,250 for carry-on, $500 checked
Wells Fargo Autograph Visa Credit Card— - Rental car
- American Express Green Card
- Car rental insurance up to $50,000 for theft or damage
Wells Fargo Autograph Visa Credit Card- $50,000 auto rental collision damage waiver
- Purchase & returns
- American Express Green Card
- Purchase protection up to $1,000 per item for 90 days
- Return protection up to $300 per item within 90 days
Wells Fargo Autograph Visa Credit Card— - Extended warranty
- American Express Green Card
- Extended warranty adds 1 year to eligible purchases · up to $10,000
Wells Fargo Autograph Visa Credit Card— - Cell phone
- American Express Green Card—Wells Fargo Autograph Visa Credit Card
- Cellular Telephone Protection · up to $600
- Up to $600 per claim cell phone damage and theft protection
- Other protections
- American Express Green Card
- Zero liability protection on fraudulent charges
Wells Fargo Autograph Visa Credit Card- Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
- Pros
- American Express Green Card
- 3X on travel, transit, and dining worldwide covers most everyday spending
- CLEAR Plus statement credit helps offset the $150 annual fee for CLEAR users
- $100 LoungeBuddy credit provides flexible airport lounge access
- No foreign transaction fees for international travel
- Made from reclaimed ocean plastic (environmentally friendly)
Wells Fargo Autograph Visa Credit Card- 3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
- No annual fee with transferable points (rare combination)
- 1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
- No spending caps on bonus categories
- No foreign transaction fees
- Cons
- American Express Green Card
- $150 annual fee is not waived first year
- No direct lounge network membership (LoungeBuddy is pay-per-use)
- CLEAR credit has limited value outside major airports
- Lower-tier welcome bonus compared to Gold or Platinum
- $35 authorized user fee adds up for multi-card households
Wells Fargo Autograph Visa Credit Card- Only 1X on groceries and general shopping
- Welcome bonus of 20,000 points ($200 value) is modest
- Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
- No premium travel benefits like lounge access or travel insurance
- Penalty APR of 29.99% for late payments
Category-by-Category Winner
The Wells Fargo Autograph Visa Credit Card wins in 3 of 4 categories. The American Express Green Card leads in 1.
Ridesharing
American Express Green Card earns 3X vs 1X
Gas Stations
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Streaming
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Telecom
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Ongoing value favors the Wells Fargo Autograph Visa Credit Card; year-one value favors the American Express Green Card.
| Scenario | American Express Green Card | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $270 Credits (our usable estimate): $60 − Annual fee ($150) Ongoing: $180 Year one: $780 | Rewards: $296 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $296 Year one: $586 | Wells Fargo Autograph Visa Credit Card | American Express Green Card |
| Heavy spender: $4,000/month | Rewards: $1,080 Credits (our usable estimate): $60 − Annual fee ($150) Ongoing: $990 Year one: $1,590 | Rewards: $1,183 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,183 Year one: $1,473 | Wells Fargo Autograph Visa Credit Card | American Express Green Card |
Is the Fee Difference Worth It?
The American Express Green Card costs $150/yr — that's $150 more than the Wells Fargo Autograph Visa Credit Card (no annual fee). To justify that gap, you need to extract at least $150 in annual value from the card's higher earn rates and benefits.
The American Express Green Card includes lounge access. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $150 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $150 fee gap means the American Express Green Card needs roughly $150 more in annual rewards (or credits you will use) to break even on travel and transit and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Wells Fargo Autograph Visa Credit Card means losing:
- -Airport lounge access
Which Card Is Right for You?
Get the American Express Green Card if you:
- +Fly frequently and value airport lounge access
The Bottom Line
Ongoing value favors the Wells Fargo Autograph Visa Credit Card; year-one value favors the American Express Green Card.
Published annual fees: American Express Green Card $150/yr, Wells Fargo Autograph Visa Credit Card $0/yr — a $150 difference before welcome offers and credits.
Frequently Asked Questions
- Is the American Express Green Card worth the higher annual fee?
- The American Express Green Card costs $150/yr vs $0/yr for the Wells Fargo Autograph Visa Credit Card. Compare the year-one vs ongoing value table on this page — the $150 gap must be offset by higher earn rates, welcome offers, or credits you will use (the American Express Green Card also lists lounge access).
- Which card earns more rewards, the American Express Green Card or Wells Fargo Autograph Visa Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the American Express Green Card have that the Wells Fargo Autograph Visa Credit Card doesn't?
- The American Express Green Card offers lounge access. The Wells Fargo Autograph Visa Credit Card offers cell phone protection.
- Should I get the American Express Green Card or the Wells Fargo Autograph Visa Credit Card?
- Use the spend scenarios on this page: the Wells Fargo Autograph Visa Credit Card has a lower $0/yr fee; the American Express Green Card must earn enough extra (or offer a larger welcome bonus) to justify $150/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.