Verizon Visa Card vs Wells Fargo Autograph Visa Credit Card
Both cards cost $0/yr. The Verizon Visa Card leads on grocery stores; the Wells Fargo Autograph Visa Credit Card on travel.
Card data as of November 13, 2026.
- Verizon Visa Card
Synchrony · No annual fee
Wells Fargo Autograph Visa Credit CardWells Fargo · No annual fee
Overview
- Annual fee
- Verizon Visa Card$0Wells Fargo Autograph Visa Credit Card$0
- Welcome offerCurrent public offer
- Verizon Visa Card$150 statement creditWells Fargo Autograph Visa Credit Card20,000 points
- Rewards
- Verizon Visa CardVerizon DollarsWells Fargo Autograph Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Verizon Visa CardNoneWells Fargo Autograph Visa Credit CardNone
- Network
- Verizon Visa CardVisa SignatureWells Fargo Autograph Visa Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Verizon Visa Card4%Wells Fargo Autograph Visa Credit Card3x
- Electric Vehicle Charging
- Verizon Visa Card4%Wells Fargo Autograph Visa Credit Card1x
- Gas Stations
- Verizon Visa Card4%Wells Fargo Autograph Visa Credit Card3x
- Grocery Stores
- Verizon Visa Card4%Wells Fargo Autograph Visa Credit Card1x
- Streaming
- Verizon Visa Card1%Wells Fargo Autograph Visa Credit Card3x
- Telecom
- Verizon Visa Card1%Wells Fargo Autograph Visa Credit Card3x
- Transit
- Verizon Visa Card1%Wells Fargo Autograph Visa Credit Card3x
- Travel
- Verizon Visa Card1%Wells Fargo Autograph Visa Credit Card3x
- Everything else
- Verizon Visa Card1%Wells Fargo Autograph Visa Credit Card1x
Perks & access— means none on record
- Hotel status & programs
- Verizon Visa Card—Wells Fargo Autograph Visa Credit Card
- Visa Signature Luxury Hotel Collection elite benefits
- Other perks
- Verizon Visa Card
- 2 free TravelPass days per year
- Auto pay, auto save
Wells 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
- Verizon Visa Card—Wells Fargo Autograph Visa Credit Card
- $50,000 auto rental collision damage waiver
- Cell phone
- Verizon Visa Card—Wells Fargo Autograph Visa Credit Card
- Cellular Telephone Protection · up to $600
- Up to $600 per claim cell phone damage and theft protection
- Other protections
- Verizon Visa Card—Wells Fargo Autograph Visa Credit Card
- Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
- Pros
- Verizon Visa Card
- No annual fee
- Strong 4% back on Verizon, grocery, gas, and dining
- 1% base rate on all other purchases
- Verizon Dollars automatically apply as bill credit (1:1 value)
- $150 statement credit after one purchase in the first 90 days (offer window 8/12/26-1/13/27)
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
- Verizon Visa Card
- Rewards locked to Verizon ecosystem (bill, devices, accessories only)
- No value if you leave Verizon
- 4% on Verizon purchases excludes bill payments
- Requires good/excellent credit
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
Both cards win in 4 categories each — it comes down to which categories matter most to you.
Grocery Stores
Verizon Visa Card earns 4X vs 1X
Gas Stations
Verizon Visa Card earns 4X vs 3X
Electric Vehicle Charging
Verizon Visa Card earns 4X vs 1X
Dining
Verizon Visa Card earns 4X vs 3X
Travel
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
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 | Verizon Visa Card | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $264 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $264 Year one: $414 | 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: $1,056 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,056 Year one: $1,206 | 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 Verizon Visa 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 Verizon Visa 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 Verizon Visa Card have that the Wells Fargo Autograph Visa Credit Card doesn't?
- The Verizon Visa Card focuses on earn rates, while the Wells Fargo Autograph Visa Credit Card offers cell phone protection.
- Should I get the Verizon Visa 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.