Which card earns more rewards, the U.S. Bank Cash+® Visa Signature® Card or Wells Fargo Autograph Visa Credit Card?

The Wells Fargo Autograph Visa Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the U.S. Bank Cash+® Visa Signature® Card 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 U.S. Bank Cash+® Visa Signature® Card or Wells Fargo Autograph Visa Credit Card?

The Wells Fargo Autograph Visa Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the U.S. Bank Cash+® Visa Signature® Card 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 U.S. Bank Cash+® Visa Signature® Card or Wells Fargo Autograph Visa Credit Card?

The Wells Fargo Autograph Visa Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the U.S. Bank Cash+® Visa Signature® Card 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.

U.S. Bank Cash+® Visa Signature® Card vs Wells Fargo Autograph Visa Credit Card

Both cards cost $0/yr. The U.S. Bank Cash+® Visa Signature® Card is better for telecom, while the Wells Fargo Autograph Visa Credit Card wins on travel. Here's how they compare.

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

20,000 Flex point

Earn Rates

Category	U.S. Bank Cash+® Visa Signature® Card	Wells Fargo Autograph Visa Credit Card
Department Stores	5X	1X
Electronic Stores	5X	1X
Entertainment	5X	1X
Fitness & Gyms	5X	1X
Home Improvement	5X	1X
Streaming	5X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

+5% cash back on two categories of your choice (from 12+ options)
+2% on one everyday category (dining, gas, or grocery)
+No annual fee
+Visa Signature benefits
+$200 welcome bonus

+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

−Must select 5% categories each quarter (defaults to 1% if forgotten)
−$2,000 combined quarterly cap on 5% categories
3% foreign transaction fee

Category-by-Category Winner

The U.S. Bank Cash+® Visa Signature® Card wins in 9 of 14 categories. The Wells Fargo Autograph Visa Credit Card leads in 5.

Telecom

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Streaming

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Entertainment

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Transit

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Fitness & Gyms

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Department Stores

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Electronic Stores

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Home Improvement

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Dining

Frequently Asked Questions

Which card earns more rewards, the U.S. Bank Cash+® Visa Signature® Card or Wells Fargo Autograph Visa Credit Card?: The Wells Fargo Autograph Visa Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the U.S. Bank Cash+® Visa Signature® Card 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

U.S. Bank Cash+® Visa Signature® Card — Full Review All U.S. Bank Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: U.S. Bank 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.

U.S. Bank Cash+® Visa Signature® Card vs Wells Fargo Autograph Visa Credit Card

Both cards cost $0/yr. The U.S. Bank Cash+® Visa Signature® Card is better for telecom, while the Wells Fargo Autograph Visa Credit Card wins on travel. Here's how they compare.

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

20,000 Flex point

Earn Rates

Category	U.S. Bank Cash+® Visa Signature® Card	Wells Fargo Autograph Visa Credit Card
Department Stores	5X	1X
Electronic Stores	5X	1X
Entertainment	5X	1X
Fitness & Gyms	5X	1X
Home Improvement	5X	1X
Streaming	5X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

+5% cash back on two categories of your choice (from 12+ options)
+2% on one everyday category (dining, gas, or grocery)
+No annual fee
+Visa Signature benefits
+$200 welcome bonus

+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

−Must select 5% categories each quarter (defaults to 1% if forgotten)
−$2,000 combined quarterly cap on 5% categories
3% foreign transaction fee

Category-by-Category Winner

The U.S. Bank Cash+® Visa Signature® Card wins in 9 of 14 categories. The Wells Fargo Autograph Visa Credit Card leads in 5.

Telecom

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Streaming

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Entertainment

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Transit

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Fitness & Gyms

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Department Stores

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Electronic Stores

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Home Improvement

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Dining

Frequently Asked Questions

Which card earns more rewards, the U.S. Bank Cash+® Visa Signature® Card or Wells Fargo Autograph Visa Credit Card?: The Wells Fargo Autograph Visa Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the U.S. Bank Cash+® Visa Signature® Card 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

U.S. Bank Cash+® Visa Signature® Card — Full Review All U.S. Bank Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: U.S. Bank cards · Wells Fargo cards

U.S. Bank Cash+® Visa Signature® Card vs Wells Fargo Autograph Visa Credit Card

Both cards cost $0/yr. The U.S. Bank Cash+® Visa Signature® Card is better for telecom, while the Wells Fargo Autograph Visa Credit Card wins on travel. Here's how they compare.

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

20,000 Flex point

Earn Rates

Category	U.S. Bank Cash+® Visa Signature® Card	Wells Fargo Autograph Visa Credit Card
Department Stores	5X	1X
Electronic Stores	5X	1X
Entertainment	5X	1X
Fitness & Gyms	5X	1X
Home Improvement	5X	1X
Streaming	5X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

+5% cash back on two categories of your choice (from 12+ options)
+2% on one everyday category (dining, gas, or grocery)
+No annual fee
+Visa Signature benefits
+$200 welcome bonus

+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

−Must select 5% categories each quarter (defaults to 1% if forgotten)
−$2,000 combined quarterly cap on 5% categories
3% foreign transaction fee

Category-by-Category Winner

The U.S. Bank Cash+® Visa Signature® Card wins in 9 of 14 categories. The Wells Fargo Autograph Visa Credit Card leads in 5.

Telecom

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Streaming

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Entertainment

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Transit

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 3X

Fitness & Gyms

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Department Stores

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Electronic Stores

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Home Improvement

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Dining

Frequently Asked Questions

Which card earns more rewards, the U.S. Bank Cash+® Visa Signature® Card or Wells Fargo Autograph Visa Credit Card?: The Wells Fargo Autograph Visa Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the U.S. Bank Cash+® Visa Signature® Card 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

U.S. Bank Cash+® Visa Signature® Card — Full Review All U.S. Bank Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: U.S. Bank cards · Wells Fargo cards

U.S. Bank Cash+® Visa Signature® Card vs Wells Fargo Autograph Visa Credit Card

U.S. Bank Cash+® Visa Signature® Card

Wells Fargo Autograph Visa Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Explore More

U.S. Bank Cash+® Visa Signature® Card vs Wells Fargo Autograph Visa Credit Card

U.S. Bank Cash+® Visa Signature® Card

Wells Fargo Autograph Visa Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Explore More

U.S. Bank Cash+® Visa Signature® Card vs Wells Fargo Autograph Visa Credit Card

U.S. Bank Cash+® Visa Signature® Card

Wells Fargo Autograph Visa Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Explore More

Which Card Is Right for You?

Which Card Is Right for You?

Which Card Is Right for You?