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 leads on telecom; the Wells Fargo Autograph Visa Credit Card on travel.
Card data as of November 13, 2026.
U.S. Bank Cash+® Visa Signature® CardU.S. Bank · No annual fee
Wells Fargo Autograph Visa Credit CardWells Fargo · No annual fee
Overview
- Annual fee
- U.S. Bank Cash+® Visa Signature® Card$0Wells Fargo Autograph Visa Credit Card$0
- Welcome offerCurrent public offer
- U.S. Bank Cash+® Visa Signature® Card$200 cash backWells Fargo Autograph Visa Credit Card20,000 points
- Rewards
- U.S. Bank Cash+® Visa Signature® CardCash backWells Fargo Autograph Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- U.S. Bank Cash+® Visa Signature® Card3%Wells Fargo Autograph Visa Credit CardNoneLowest
- Network
- U.S. Bank Cash+® Visa Signature® CardVisa SignatureWells Fargo Autograph Visa Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- U.S. Bank Cash+® Visa Signature® Card5%Wells Fargo Autograph Visa Credit Card1x
- Department Stores
- U.S. Bank Cash+® Visa Signature® Card5%Wells Fargo Autograph Visa Credit Card1x
- Electronics
- U.S. Bank Cash+® Visa Signature® Card5%Wells Fargo Autograph Visa Credit Card1x
- Fast Food
- U.S. Bank Cash+® Visa Signature® Card5%Wells Fargo Autograph Visa Credit Card1x
- Fitness
- U.S. Bank Cash+® Visa Signature® Card5%Wells Fargo Autograph Visa Credit Card1x
- Movie Theaters
- U.S. Bank Cash+® Visa Signature® Card5%Wells Fargo Autograph Visa Credit Card1x
- Sporting Goods
- U.S. Bank Cash+® Visa Signature® Card5%Wells Fargo Autograph Visa Credit Card1x
- Streaming
- U.S. Bank Cash+® Visa Signature® Card5%Wells Fargo Autograph Visa Credit Card3x
- Telecom
- U.S. Bank Cash+® Visa Signature® Card5%Wells Fargo Autograph Visa Credit Card3x
- Transit
- U.S. Bank Cash+® Visa Signature® Card5%Wells Fargo Autograph Visa Credit Card3x
- Utilities
- U.S. Bank Cash+® Visa Signature® Card5%Wells Fargo Autograph Visa Credit Card1x
- Dining
- U.S. Bank Cash+® Visa Signature® Card2%Wells Fargo Autograph Visa Credit Card3x
- Gas Stations
- U.S. Bank Cash+® Visa Signature® Card2%Wells Fargo Autograph Visa Credit Card3x
- Travel
- U.S. Bank Cash+® Visa Signature® Card1%Wells Fargo Autograph Visa Credit Card3x
- Grocery Stores
- U.S. Bank Cash+® Visa Signature® Card2%Wells Fargo Autograph Visa Credit Card1x
- Everything else
- U.S. Bank Cash+® Visa Signature® Card1%Wells Fargo Autograph Visa Credit Card1x
Perks & access— means none on record
- Hotel status & programs
- U.S. Bank Cash+® Visa Signature® CardNot yet documentedWells Fargo Autograph Visa Credit Card
- Visa Signature Luxury Hotel Collection elite benefits
- Other perks
- U.S. Bank Cash+® Visa Signature® CardNot yet documentedWells 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
- Rental car
- U.S. Bank Cash+® Visa Signature® CardNot yet documentedWells Fargo Autograph Visa Credit Card
- $50,000 auto rental collision damage waiver
- Cell phone
- U.S. Bank Cash+® Visa Signature® CardNot yet documentedWells Fargo Autograph Visa Credit Card
- Cellular Telephone Protection · up to $600
- Up to $600 per claim cell phone damage and theft protection
- Other protections
- U.S. Bank Cash+® Visa Signature® CardNot yet documentedWells Fargo Autograph Visa Credit Card
- Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
- Pros
- U.S. Bank Cash+® Visa Signature® Card
- 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
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
- U.S. Bank Cash+® Visa Signature® Card
- Must select 5% categories each quarter (defaults to 1% if forgotten)
- $2,000 combined quarterly cap on 5% categories
- 3% foreign transaction fee
- Base rate only 1% on non-category spend
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 Wells Fargo Autograph Visa Credit Card wins in 2 of 2 categories. The U.S. Bank Cash+® Visa Signature® Card leads in 0. 13 more categories depend on booking channel or caps.
Telecom
Depends: up to $2,000/quarter; 5% applies only if cell phone providers is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 3X (3X without restrictions)
Streaming
Depends: up to $2,000/quarter; 5% applies only if TV, internet and streaming is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 3X (3X without restrictions)
Cable TV
Depends: up to $2,000/quarter; 5% applies only if TV, internet and streaming is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Movie Theaters
Depends: up to $2,000/quarter; 5% applies only if movie theaters is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Transit
Depends: up to $2,000/quarter; 5% applies only if ground transportation is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 3X (3X without restrictions)
Fitness
Depends: up to $2,000/quarter; 5% applies only if gyms/fitness centers is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Department Stores
Depends: up to $2,000/quarter; 5% applies only if department stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Electronics
Depends: up to $2,000/quarter; 5% applies only if electronics stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Travel
Depends: via issuer travel portal
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 3X (3X without restrictions)
Sporting Goods
Depends: up to $2,000/quarter; 5% applies only if sporting goods stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Fast Food
Depends: up to $2,000/quarter; 5% applies only if fast food is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Utilities
Depends: up to $2,000/quarter; 5% applies only if home utilities is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Dining
Wells Fargo Autograph Visa Credit Card earns 3X vs 2X
Gas Stations
Wells Fargo Autograph Visa Credit Card earns 3X vs 2X
Grocery Stores
Depends: 2% applies only if grocery stores and grocery delivery is the one everyday category you choose each quarter.
U.S. Bank Cash+® Visa Signature® Card earns 2X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
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 Wells Fargo Autograph Visa Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | U.S. Bank Cash+® Visa Signature® Card | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | Rewards: $296 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $296 Year one: $586 | 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: $680 | Rewards: $1,183 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,183 Year one: $1,473 | Wells Fargo Autograph Visa Credit Card | Wells Fargo Autograph Visa Credit Card |
Which Card Is Right for You?
Get the U.S. Bank Cash+® Visa Signature® Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Wells Fargo Autograph Visa Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the U.S. Bank Cash+® Visa Signature® Card or Wells Fargo Autograph Visa Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the U.S. Bank Cash+® Visa Signature® Card have that the Wells Fargo Autograph Visa Credit Card doesn't?
- The U.S. Bank Cash+® Visa Signature® Card focuses on earn rates, while the Wells Fargo Autograph Visa Credit Card offers cell phone protection.
- 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.
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.