Chase Freedom Unlimited vs Wells Fargo Autograph Visa Credit Card
Both cards cost $0/yr. The Chase Freedom Unlimited leads on travel; the Wells Fargo Autograph Visa Credit Card on travel.
Card data as of November 13, 2026.
Chase Freedom UnlimitedChase · No annual fee
Wells Fargo Autograph Visa Credit CardWells Fargo · No annual fee
Overview
- Annual fee
- Chase Freedom Unlimited$0Wells Fargo Autograph Visa Credit Card$0
- Welcome offerCurrent public offer
- Chase Freedom Unlimited$200 cash backWells Fargo Autograph Visa Credit Card20,000 points
- Rewards
- Chase Freedom UnlimitedCash backWells Fargo Autograph Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Chase Freedom Unlimited3%Wells Fargo Autograph Visa Credit CardNoneLowest
- Network
- Chase Freedom UnlimitedVisa SignatureWells Fargo Autograph Visa Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Chase Freedom Unlimited3%Wells Fargo Autograph Visa Credit Card3x
- Drugstores
- Chase Freedom Unlimited3%Wells Fargo Autograph Visa Credit Card1x
- Gas Stations
- Chase Freedom Unlimited1.5%Wells Fargo Autograph Visa Credit Card3x
- Streaming
- Chase Freedom Unlimited1.5%Wells Fargo Autograph Visa Credit Card3x
- Telecom
- Chase Freedom Unlimited1.5%Wells Fargo Autograph Visa Credit Card3x
- Transit
- Chase Freedom Unlimited1.5%Wells Fargo Autograph Visa Credit Card3x
- Travel
- Chase Freedom Unlimited1.5%Wells Fargo Autograph Visa Credit Card3x
- Everything else
- Chase Freedom Unlimited1.5%Wells Fargo Autograph Visa Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Chase Freedom Unlimited
- Free DashPass membership for 6 months · $60 one-time
Wells Fargo Autograph Visa Credit Card—
Perks & access— means none on record
- Hotel status & programs
- Chase Freedom Unlimited—Wells Fargo Autograph Visa Credit Card
- Visa Signature Luxury Hotel Collection elite benefits
- Other perks
- Chase Freedom Unlimited
- 24/7 travel assistance when you're away from home
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
Show 3 moreShow fewer
- 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
- Chase Freedom Unlimited
- Up to $6,000 trip cancellation and interruption coverage · up to $1,500
Wells Fargo Autograph Visa Credit Card— - Rental car
- Chase Freedom Unlimited
- Free rental car coverage when you decline counter insurance
Wells Fargo Autograph Visa Credit Card- $50,000 auto rental collision damage waiver
- Purchase & returns
- Chase Freedom Unlimited
- Up to $500 protection for damaged or stolen purchases
- 24/7 fraud monitoring
- Zero Liability on unauthorized charges
Wells Fargo Autograph Visa Credit Card— - Extended warranty
- Chase Freedom Unlimited
- Add an extra year to manufacturer warranties
Wells Fargo Autograph Visa Credit Card— - Cell phone
- Chase Freedom Unlimited—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
- Chase Freedom Unlimited
- 24/7 lost/stolen card assistance worldwide
Wells Fargo Autograph Visa Credit Card- Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
- Pros
- Chase Freedom Unlimited
- 1.5% cash back on every purchase with no caps or categories
- 5% on Chase Travel, 3% on dining and drugstores
- $200 bonus after $500 spend in 3 months
- 0% intro APR for 15 months on purchases and balance transfers
- $0 annual fee with Visa Signature benefits
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 airline partners including British Airways, JetBlue, and Virgin Atlantic
- No spending caps on bonus categories
- No foreign transaction fees
- Cons
- Chase Freedom Unlimited
- 3% foreign transaction fee
- 1.5% base rate lower than Freedom Flex's 5% rotating categories
- Points worth only 1 cent without Sapphire card pairing
- No premium travel insurance or lounge access
- Lower welcome bonus than Sapphire cards
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 Chase Freedom Unlimited wins in 5 of 9 categories. The Wells Fargo Autograph Visa Credit Card leads in 4. 1 more category depend on booking channel or caps.
Travel
Depends: via issuer travel portal
Chase Freedom Unlimited earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 3X (3X without restrictions)
Hotels
Chase Freedom Unlimited earns 5X vs 1X
5X via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Flights
Chase Freedom Unlimited earns 5X vs 1X
5X via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Car Rentals
Chase Freedom Unlimited earns 5X vs 1X
5X via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Drugstores
Chase Freedom Unlimited earns 3X vs 1X
Gas Stations
Wells Fargo Autograph Visa Credit Card earns 3X vs 1.5X
Transit
Wells Fargo Autograph Visa Credit Card earns 3X vs 1.5X
Streaming
Wells Fargo Autograph Visa Credit Card earns 3X vs 1.5X
Telecom
Wells Fargo Autograph Visa Credit Card earns 3X vs 1.5X
Everyday purchases
Chase Freedom Unlimited earns 1.5X on all other spending 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.
Both scenarios favor the Chase Freedom Unlimited on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Chase Freedom Unlimited | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $373 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $373 Year one: $603 | Rewards: $296 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $296 Year one: $586 | Chase Freedom Unlimited | Chase Freedom Unlimited |
| Heavy spender: $4,000/month | Rewards: $1,490 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,490 Year one: $1,720 | Rewards: $1,183 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,183 Year one: $1,473 | Chase Freedom Unlimited | Chase Freedom Unlimited |
Which Card Is Right for You?
Get the Chase Freedom Unlimited if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Chase Freedom Unlimited on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 1.5X on the Chase Freedom Unlimited vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Chase Freedom Unlimited or Wells Fargo Autograph Visa Credit Card?
- The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Chase Freedom Unlimited have that the Wells Fargo Autograph Visa Credit Card doesn't?
- The Chase Freedom Unlimited focuses on earn rates, while the Wells Fargo Autograph Visa Credit Card offers cell phone protection.
- Should I get the Chase Freedom Unlimited or the Wells Fargo Autograph Visa Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.