Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $0/yr. The SoFi Credit Card leads on travel; the Wells Fargo Autograph Visa Credit Card on travel.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | SoFi Credit Card | Wells Fargo Autograph Visa Credit Card |
|---|---|---|
| Dining | 1X | 3X |
| Gas Stations | 1X |
The Wells Fargo Autograph Visa Credit Card wins in 5 of 5 categories. The SoFi Credit Card leads in 0.
Gas Stations
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Transit
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
Dining
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
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 Wells Fargo Autograph Visa Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | SoFi Credit Card | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|
Both scenarios favor the Wells Fargo Autograph Visa Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Streaming | 1X | 3X |
| Telecom | 1X | 3X |
| Transit | 1X | 3X |
| Travel | 1X | 3X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Rewards: $255 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $255 Year one: $505 | Wells Fargo Autograph Visa Credit Card | Wells Fargo Autograph Visa Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Rewards: $1,020 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,020 Year one: $1,270 | Wells Fargo Autograph Visa Credit Card | Wells Fargo Autograph Visa Credit Card |
Get the Wells Fargo Autograph Visa Credit Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
