Discover it Cash Back vs. Wells Fargo Autograph Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Discover it Cash Back
Discover
Wells Fargo Autograph Card
Wells Fargo
Discover it Cash Back 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.
Discover it Cash Back wins on earning ceiling; Wells Fargo Autograph Card wins on travel insurance.
Who wins what
1 vs 1 (2 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Discover it Cash Back
Discover it Cash Back earns more on its best category (5× vs 3×).
- Travel insurance Wells Fargo Autograph Card
Wells Fargo Autograph Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- +$0
- Peak earning rate
- 5×
- 3×
- Top categories
- Rotating Quarterly
- Dining, Travel, Transit
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Discover 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.