Wells Fargo Active Cash Card vs Wells Fargo Autograph Visa Credit Card
Both cards cost $0/yr. The Wells Fargo Active Cash Card leads on everyday spending; the Wells Fargo Autograph Visa Credit Card on travel.
Card data as of October 12, 2026.
Wells Fargo Active Cash CardWells Fargo · No annual fee
Wells Fargo Autograph Visa Credit CardWells Fargo · No annual fee
Overview
- Annual fee
- Wells Fargo Active Cash Card$0Wells Fargo Autograph Visa Credit Card$0
- Welcome offerCurrent public offer
- Wells Fargo Active Cash Card$100 cash backWells Fargo Autograph Visa Credit Card20,000 points
- Rewards
- Wells Fargo Active Cash CardCash backWells Fargo Autograph Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- Wells Fargo Active Cash Card3%Wells Fargo Autograph Visa Credit CardNoneLowest
- Network
- Wells Fargo Active Cash CardVisa SignatureWells Fargo Autograph Visa Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Wells Fargo Active Cash Card2%Wells Fargo Autograph Visa Credit Card3x
- Gas Stations
- Wells Fargo Active Cash Card2%Wells Fargo Autograph Visa Credit Card3x
- Streaming
- Wells Fargo Active Cash Card2%Wells Fargo Autograph Visa Credit Card3x
- Telecom
- Wells Fargo Active Cash Card2%Wells Fargo Autograph Visa Credit Card3x
- Transit
- Wells Fargo Active Cash Card2%Wells Fargo Autograph Visa Credit Card3x
- Travel
- Wells Fargo Active Cash Card2%Wells Fargo Autograph Visa Credit Card3x
- Everything else
- Wells Fargo Active Cash Card2%Wells Fargo Autograph Visa Credit Card1x
Perks & access— means none on record
- Hotel status & programs
- Wells Fargo Active Cash Card
- 900+ luxury hotel properties with exclusive perks
Wells Fargo Autograph Visa Credit Card- Visa Signature Luxury Hotel Collection elite benefits
- Other perks
- Wells Fargo Active Cash Card
- 24/7 Visa Signature Concierge service
- Extra cash back at select merchants with personalized deals
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
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- 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
- Wells Fargo Active Cash Card
- Up to $50,000 rental car coverage when you decline the count
Wells Fargo Autograph Visa Credit Card- $50,000 auto rental collision damage waiver
- Cell phone
- Wells Fargo Active Cash Card
- Up to $600 coverage for damaged or stolen phones
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
- Wells Fargo Active Cash Card
- 24/7 worldwide travel and emergency assistance
- Get emergency cash and card replacement worldwide
- Check your FICO score anytime for free
- 24/7 roadside help with free towing up to 5 miles
Wells Fargo Autograph Visa Credit Card- Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
- Pros
- Wells Fargo Active Cash Card
- Unlimited 2% cash back on every purchase with no category limits
- No annual fee
- $100 welcome bonus after just $500 spend in 3 months
- 0% intro APR for 12 months on purchases and balance transfers
- Cell phone protection up to $600 per claim when paying bill with card
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 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
- No spending caps on bonus categories
- No foreign transaction fees
- Cons
- Wells Fargo Active Cash Card
- 3% foreign transaction fee makes it poor for international use
- No bonus categories - heavy dining/travel spenders earn less than category cards
- Points have no transfer partners (cash back only)
- Requires good to excellent credit
- Penalty APR of 29.99% for late payments
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 6 of 7 categories. The Wells Fargo Active Cash Card leads in 1.
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
Telecom
Wells Fargo Autograph Visa Credit Card earns 3X vs 2X
Dining
Wells Fargo Autograph Visa Credit Card earns 3X vs 2X
Everyday purchases
Wells Fargo Active Cash Card earns 2X on all other spending 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.
The better card depends on how much you spend.
| Scenario | Wells Fargo Active Cash Card | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $348 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $348 Year one: $448 | Rewards: $296 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $296 Year one: $586 | Wells Fargo Active Cash Card | Wells Fargo Autograph Visa Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,392 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,392 Year one: $1,492 | Rewards: $1,183 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,183 Year one: $1,473 | Wells Fargo Active Cash Card | Wells Fargo Active Cash Card |
Which Card Is Right for You?
Get the Wells Fargo Active Cash Card if you:
- +Prefer a high flat rate across all spending
Get the Wells Fargo Autograph Visa Credit Card if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
The better card depends on how much you spend.
Everyday (non-bonus) spend earns 2X on the Wells Fargo Active Cash Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Wells Fargo Active Cash Card or Wells Fargo Autograph Visa Credit Card?
- The Wells Fargo Active Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Wells Fargo Active Cash Card have that the Wells Fargo Autograph Visa Credit Card doesn't?
- The Wells Fargo Active Cash Card offers cell phone protection. The Wells Fargo Autograph Visa Credit Card offers cell phone protection.
- Should I get the Wells Fargo Active Cash 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 October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.