The Platinum Card from American Express vs Wells Fargo Autograph Visa Credit Card

A detailed side-by-side comparison to help you choose the right card for your spending.

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The Platinum Card from American Express

American Express

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Annual Fee

$895

Welcome Bonus

80,000 Flex point

20,000 Flex point

Base Earn Rate

Top Earn Categories

5X Hotels

5X Flights

1X Hotels

3X Travel

3X Gas Stations

3X Transit

3X Streaming

Network

AMEX

VISA

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

None

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+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

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−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

The Bottom Line

The Wells Fargo Autograph Visa Credit Card has a lower annual fee ($0 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

Wells Fargo Autograph Visa Credit Card — Full Review All Wells Fargo Cards

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The Platinum Card from American Express vs Wells Fargo Autograph Visa Credit Card

A detailed side-by-side comparison to help you choose the right card for your spending.

No image