Which card earns more rewards, the T-Mobile Visa® or Wells Fargo Autograph Visa Credit Card?

The T-Mobile Visa® has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

Should I get the T-Mobile Visa® 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.

Which card earns more rewards, the T-Mobile Visa® or Wells Fargo Autograph Visa Credit Card?

The T-Mobile Visa® has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

Should I get the T-Mobile Visa® 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.

Which card earns more rewards, the T-Mobile Visa® or Wells Fargo Autograph Visa Credit Card?

The T-Mobile Visa® has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

Should I get the T-Mobile Visa® 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.

T-Mobile Visa® vs Wells Fargo Autograph Visa Credit Card

Both cards cost $0/yr. The T-Mobile Visa® is better for tmobile hardware, while the Wells Fargo Autograph Visa Credit Card wins on travel. Here's how they compare.

T-Mobile Visa®

Capital One

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

20,000 Flex point

Earn Rates

Category	T-Mobile Visa®	Wells Fargo Autograph Visa Credit Card
Tmobile Hardware	5X	1X
Dining	2X	3X
Gas Stations	2X	3X
Phone Bills	2X	3X
Streaming	2X	3X
Telecom	2X	3X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

—

+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

—

−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 8 of 10 categories. The T-Mobile Visa® leads in 2.

Tmobile Hardware

T-Mobile Visa® earns 5X vs 1X

Travel

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Gas Stations

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Transit

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Streaming

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Phone Bills

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Dining

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Telecom

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Tolls

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

The Bottom Line

For everyday spending, the T-Mobile Visa® earns more with its 2X base rate.

Frequently Asked Questions

Which card earns more rewards, the T-Mobile Visa® or Wells Fargo Autograph Visa Credit Card?: The T-Mobile Visa® has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
Should I get the T-Mobile Visa® 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.

Explore More

T-Mobile Visa® — Full Review All Capital One Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Wells Fargo cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

T-Mobile Visa® vs Wells Fargo Autograph Visa Credit Card

Both cards cost $0/yr. The T-Mobile Visa® is better for tmobile hardware, while the Wells Fargo Autograph Visa Credit Card wins on travel. Here's how they compare.

T-Mobile Visa®

Capital One

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

20,000 Flex point

Earn Rates

Category	T-Mobile Visa®	Wells Fargo Autograph Visa Credit Card
Tmobile Hardware	5X	1X
Dining	2X	3X
Gas Stations	2X	3X
Phone Bills	2X	3X
Streaming	2X	3X
Telecom	2X	3X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

—

+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

—

−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 8 of 10 categories. The T-Mobile Visa® leads in 2.

Tmobile Hardware

T-Mobile Visa® earns 5X vs 1X

Travel

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Gas Stations

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Transit

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Streaming

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Phone Bills

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Dining

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Telecom

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Tolls

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

The Bottom Line

For everyday spending, the T-Mobile Visa® earns more with its 2X base rate.

Frequently Asked Questions

Which card earns more rewards, the T-Mobile Visa® or Wells Fargo Autograph Visa Credit Card?: The T-Mobile Visa® has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
Should I get the T-Mobile Visa® 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.

Explore More

T-Mobile Visa® — Full Review All Capital One Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Wells Fargo cards

T-Mobile Visa® vs Wells Fargo Autograph Visa Credit Card

Both cards cost $0/yr. The T-Mobile Visa® is better for tmobile hardware, while the Wells Fargo Autograph Visa Credit Card wins on travel. Here's how they compare.

T-Mobile Visa®

Capital One

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

20,000 Flex point

Earn Rates

Category	T-Mobile Visa®	Wells Fargo Autograph Visa Credit Card
Tmobile Hardware	5X	1X
Dining	2X	3X
Gas Stations	2X	3X
Phone Bills	2X	3X
Streaming	2X	3X
Telecom	2X	3X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

—

+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

—

−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 8 of 10 categories. The T-Mobile Visa® leads in 2.

Tmobile Hardware

T-Mobile Visa® earns 5X vs 1X

Travel

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Gas Stations

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Transit

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Streaming

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Phone Bills

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Dining

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Telecom

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

Tolls

Wells Fargo Autograph Visa Credit Card earns 3X vs 2X

The Bottom Line

For everyday spending, the T-Mobile Visa® earns more with its 2X base rate.

Frequently Asked Questions

Which card earns more rewards, the T-Mobile Visa® or Wells Fargo Autograph Visa Credit Card?: The T-Mobile Visa® has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
Should I get the T-Mobile Visa® 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.

Explore More

T-Mobile Visa® — Full Review All Capital One Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Wells Fargo cards

T-Mobile Visa® vs Wells Fargo Autograph Visa Credit Card

T-Mobile Visa®

Wells Fargo Autograph Visa Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

The Bottom Line

Frequently Asked Questions

Explore More

T-Mobile Visa® vs Wells Fargo Autograph Visa Credit Card

T-Mobile Visa®

Wells Fargo Autograph Visa Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

The Bottom Line

Frequently Asked Questions

Explore More

T-Mobile Visa® vs Wells Fargo Autograph Visa Credit Card

T-Mobile Visa®

Wells Fargo Autograph Visa Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

The Bottom Line

Frequently Asked Questions

Explore More

Which Card Is Right for You?

Which Card Is Right for You?

Which Card Is Right for You?