Southwest Rapid Rewards Plus Credit Card vs. Wells Fargo Autograph Card
On the criteria below, Wells Fargo Autograph Card wins 3 of 3. The verdict depends on which criteria matter to you.
Southwest Rapid Rewards Plus Credit Card
Chase
Wells Fargo Autograph Card
Wells Fargo
Wells Fargo Autograph Card wins 3 of 3 criteria here, making it the stronger all-rounder.
Wells Fargo Autograph Card leads on first-year math, annual fee, and earning ceiling, while Southwest Rapid Rewards Plus Credit Card only ties the rest.
Pick the Wells Fargo Autograph Card if year-one math is your priority; take the Wells Fargo Autograph Card if you want a cheaper card to keep long-term.
Who wins what
0 vs 3- First-year math Wells Fargo Autograph Card
Wells Fargo Autograph Card wins on bonus value minus annual fee.
- Annual fee Wells Fargo Autograph Card
Wells Fargo Autograph Card is $99 cheaper to keep.
- Earning ceiling Wells Fargo Autograph Card
Wells Fargo Autograph Card earns more on its best category (3× vs 2×).
By the numbers
- Annual fee
- $99
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- $-99
- +$0
- Peak earning rate
- 2×
- 3×
- Top categories
- Airfare, Gas, Groceries
- Dining, Travel, Transit
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Southwest Rapid Rewards
- 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.