Bank of America Unlimited Cash Rewards credit card vs. Wells Fargo Autograph Card
On the criteria below, Wells Fargo Autograph Card wins 3 of 5. The verdict depends on which criteria matter to you.
Bank of America Unlimited Cash Rewards credit card
Bank of America
Wells Fargo Autograph Card
Wells Fargo
Wells Fargo Autograph Card wins 3 of 5 criteria here, making it the stronger all-rounder.
Bank of America Unlimited Cash Rewards credit card wins on first-year math; Wells Fargo Autograph Card wins on earning ceiling, travel insurance, and foreign transactions.
Pick the Bank of America Unlimited Cash Rewards credit card if year-one math is your priority.
Who wins what
1 vs 3 (1 tie)- First-year math Bank of America Unlimited Cash Rewards credit card
Bank of America Unlimited Cash Rewards credit card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Wells Fargo Autograph Card
Wells Fargo Autograph Card earns more on its best category (3× vs 0×).
- Travel insurance Wells Fargo Autograph Card
Wells Fargo Autograph Card carries built-in travel insurance.
- Foreign transactions Wells Fargo Autograph Card
Wells Fargo Autograph Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $250
- —
- First-year net
- +$250
- +$0
- Peak earning rate
- —
- 3×
- Top categories
- —
- Dining, Gas, Streaming
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Cashback
- Wells Fargo Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.