Citi Double Cash Card vs. Wells Fargo Autograph Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Citi Double Cash Card
Citi
Wells Fargo Autograph Card
Wells Fargo
Citi Double Cash Card and Wells Fargo Autograph Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Citi Double Cash Card wins on first-year math and earning ceiling; Wells Fargo Autograph Card wins on travel insurance and foreign transactions.
Pick the Citi Double Cash Card if year-one math is your priority.
Who wins what
2 vs 2 (1 tie)- First-year math Citi Double Cash Card
Citi Double Cash Card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Citi Double Cash Card
Citi Double Cash Card earns more on its best category (5× vs 3×).
- 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)
- $200
- —
- First-year net
- +$200
- +$0
- Peak earning rate
- 5×
- 3×
- Top categories
- Travel Portal
- Dining, Travel, Transit
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Citi ThankYou Points
- 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.