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

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

T-Mobile Visa®

Capital One

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Annual Fee

Welcome Bonus

—

20,000 Flex point

Base Earn Rate

Top Earn Categories

5X Tmobile Hardware

3X Travel

3X Gas Stations

3X Transit

3X Streaming

Network

VISA

Key Benefits

None

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

The Bottom Line

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

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 →

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

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

T-Mobile Visa®

Capital One

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Annual Fee

Welcome Bonus

—

20,000 Flex point

Base Earn Rate

Top Earn Categories

5X Tmobile Hardware

3X Travel

3X Gas Stations

3X Transit

3X Streaming

Network

VISA

Key Benefits

None

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

The Bottom Line

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

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 →

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

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

T-Mobile Visa®

Capital One

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Annual Fee

Welcome Bonus

—

20,000 Flex point

Base Earn Rate

Top Earn Categories

5X Tmobile Hardware

3X Travel

3X Gas Stations

3X Transit

3X Streaming

Network

VISA

Key Benefits

None

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

The Bottom Line

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

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 →