Which card earns more rewards, the Wells Fargo Attune Credit 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 Wells Fargo Attune Credit 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 Wells Fargo Attune Credit 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 Wells Fargo Attune Credit 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 Wells Fargo Attune Credit 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 Wells Fargo Attune Credit 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.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.

Wells Fargo Attune Credit Card vs Wells Fargo Autograph Visa Credit Card

Both cards cost $0/yr. The Wells Fargo Attune Credit Card is better for fitness, while the Wells Fargo Autograph Visa Credit Card wins on travel. Here's how they compare.

Wells Fargo Attune Credit Card

Wells Fargo

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

20,000 Flex point

Earn Rates

Category	Wells Fargo Attune Credit Card	Wells Fargo Autograph Visa Credit Card
Ev Charging	4X	1X
Farmers Markets	4X	1X
Fitness	4X	1X
Live Entertainment	4X	1X
Movie Theatres	4X	1X
Sustainable Brands	4X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+4% cash back on unique wellness and sustainability categories
+No annual fee
+No foreign transaction fee
+Cell phone protection up to $600 with $25 deductible
+12-month 0% intro APR on purchases

+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 1% on most common spending categories (groceries, gas, travel)
−4% categories are niche and may not align with typical spending

Category-by-Category Winner

The Wells Fargo Attune Credit Card wins in 8 of 15 categories. The Wells Fargo Autograph Visa Credit Card leads in 7.

Fitness

Wells Fargo Attune Credit Card earns 4X vs 1X

Wellness

Wells Fargo Attune Credit Card earns 4X vs 1X

Sustainable Brands

Wells Fargo Attune Credit Card earns 4X vs 1X

Ev Charging

Wells Fargo Attune Credit Card earns 4X vs 1X

Farmers Markets

Wells Fargo Attune Credit Card earns 4X vs 1X

Live Entertainment

Wells Fargo Attune Credit Card earns 4X vs 1X

Movie Theatres

Wells Fargo Attune Credit Card earns 4X vs 1X

Transit

Wells Fargo Attune Credit Card earns 4X vs 3X

Travel

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Wells Fargo Attune Credit 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 Wells Fargo Attune Credit 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

Wells Fargo Attune Credit Card — Full Review All Wells Fargo Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: 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: June 2026.

Wells Fargo Attune Credit Card vs Wells Fargo Autograph Visa Credit Card

Both cards cost $0/yr. The Wells Fargo Attune Credit Card is better for fitness, while the Wells Fargo Autograph Visa Credit Card wins on travel. Here's how they compare.

Wells Fargo Attune Credit Card

Wells Fargo

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

20,000 Flex point

Earn Rates

Category	Wells Fargo Attune Credit Card	Wells Fargo Autograph Visa Credit Card
Ev Charging	4X	1X
Farmers Markets	4X	1X
Fitness	4X	1X
Live Entertainment	4X	1X
Movie Theatres	4X	1X
Sustainable Brands	4X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+4% cash back on unique wellness and sustainability categories
+No annual fee
+No foreign transaction fee
+Cell phone protection up to $600 with $25 deductible
+12-month 0% intro APR on purchases

+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 1% on most common spending categories (groceries, gas, travel)
−4% categories are niche and may not align with typical spending

Category-by-Category Winner

The Wells Fargo Attune Credit Card wins in 8 of 15 categories. The Wells Fargo Autograph Visa Credit Card leads in 7.

Fitness

Wells Fargo Attune Credit Card earns 4X vs 1X

Wellness

Wells Fargo Attune Credit Card earns 4X vs 1X

Sustainable Brands

Wells Fargo Attune Credit Card earns 4X vs 1X

Ev Charging

Wells Fargo Attune Credit Card earns 4X vs 1X

Farmers Markets

Wells Fargo Attune Credit Card earns 4X vs 1X

Live Entertainment

Wells Fargo Attune Credit Card earns 4X vs 1X

Movie Theatres

Wells Fargo Attune Credit Card earns 4X vs 1X

Transit

Wells Fargo Attune Credit Card earns 4X vs 3X

Travel

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Wells Fargo Attune Credit 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 Wells Fargo Attune Credit 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

Wells Fargo Attune Credit Card — Full Review All Wells Fargo Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Wells Fargo cards

Wells Fargo Attune Credit Card vs Wells Fargo Autograph Visa Credit Card

Both cards cost $0/yr. The Wells Fargo Attune Credit Card is better for fitness, while the Wells Fargo Autograph Visa Credit Card wins on travel. Here's how they compare.

Wells Fargo Attune Credit Card

Wells Fargo

Wells Fargo Autograph Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

20,000 Flex point

Earn Rates

Category	Wells Fargo Attune Credit Card	Wells Fargo Autograph Visa Credit Card
Ev Charging	4X	1X
Farmers Markets	4X	1X
Fitness	4X	1X
Live Entertainment	4X	1X
Movie Theatres	4X	1X
Sustainable Brands	4X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+4% cash back on unique wellness and sustainability categories
+No annual fee
+No foreign transaction fee
+Cell phone protection up to $600 with $25 deductible
+12-month 0% intro APR on purchases

+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 1% on most common spending categories (groceries, gas, travel)
−4% categories are niche and may not align with typical spending

Category-by-Category Winner

The Wells Fargo Attune Credit Card wins in 8 of 15 categories. The Wells Fargo Autograph Visa Credit Card leads in 7.

Fitness

Wells Fargo Attune Credit Card earns 4X vs 1X

Wellness

Wells Fargo Attune Credit Card earns 4X vs 1X

Sustainable Brands

Wells Fargo Attune Credit Card earns 4X vs 1X

Ev Charging

Wells Fargo Attune Credit Card earns 4X vs 1X

Farmers Markets

Wells Fargo Attune Credit Card earns 4X vs 1X

Live Entertainment

Wells Fargo Attune Credit Card earns 4X vs 1X

Movie Theatres

Wells Fargo Attune Credit Card earns 4X vs 1X

Transit

Wells Fargo Attune Credit Card earns 4X vs 3X

Travel

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Wells Fargo Attune Credit 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 Wells Fargo Attune Credit 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

Wells Fargo Attune Credit Card — Full Review All Wells Fargo Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Wells Fargo cards

−No transfer partners or premium travel benefits

−Sustainable brand merchants can be inconsistent in coding

−Lower base earn rate than flat-rate 2% cards

−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

Gas Stations

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Streaming

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Phone Bills

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Dining

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Telecom

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Tolls

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Which Card Is Right for You?

Get the Wells Fargo Autograph Visa Credit Card if you:

+Spend $300+/month on restaurants and dining out

−No transfer partners or premium travel benefits

−Sustainable brand merchants can be inconsistent in coding

−Lower base earn rate than flat-rate 2% cards

−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

Gas Stations

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Streaming

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Phone Bills

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Dining

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Telecom

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Tolls

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Which Card Is Right for You?

Get the Wells Fargo Autograph Visa Credit Card if you:

+Spend $300+/month on restaurants and dining out

−No transfer partners or premium travel benefits

−Sustainable brand merchants can be inconsistent in coding

−Lower base earn rate than flat-rate 2% cards

−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

Gas Stations

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Streaming

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Phone Bills

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Dining

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Telecom

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Tolls

Wells Fargo Autograph Visa Credit Card earns 3X vs 1X

Which Card Is Right for You?

Get the Wells Fargo Autograph Visa Credit Card if you:

+Spend $300+/month on restaurants and dining out