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Wells Fargo Active Cash vs Autograph

Both are Wells Fargo cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Active Cash 2.0% 2% base rate
  2. Autograph 1.8% 1x base rate

Dining

  1. Autograph 5.3% 3x
  2. Active Cash 2.0% 2% base rate

Gas

  1. Autograph 5.3% 3x
  2. Active Cash 2.0% 2% base rate

Ground transportation

  1. Autograph 5.3% 3x
  2. Active Cash 2.0% 2% base rate

Streaming

  1. Autograph 5.3% 3x
  2. Active Cash 2.0% 2% base rate

Phone & internet

  1. Autograph 5.3% 3x
  2. Active Cash 2.0% 2% base rate

Flights

  1. Autograph 5.3% 3x
  2. Active Cash 2.0% 2% base rate

Hotels

  1. Autograph 5.3% 3x
  2. Active Cash 2.0% 2% base rate

Car rental

  1. Autograph 5.3% 3x
  2. Active Cash 2.0% 2% base rate

Cruises

  1. Autograph 5.3% 3x
  2. Active Cash 2.0% 2% base rate

What the numbers are doing

Abroad the answer flips: Active Cash charges a 3% foreign transaction fee, so once that comes off the rate Autograph is the better card for everyday spend.

Where they differ: Active Cash takes everything else; Autograph takes dining, gas, ground transportation and streaming, plus 5 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseActive Cash2.0%
DiningAutograph5.3%
GasAutograph5.3%
Ground transportationAutograph5.3%
StreamingAutograph5.3%
Phone & internetAutograph5.3%
FlightsAutograph5.3%
HotelsAutograph5.3%
Car rentalAutograph5.3%
CruisesAutograph5.3%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Active Cash — 2.0%
  2. Autograph — 1.8%

Dining

  1. Autograph — 5.3%
  2. Active Cash — 2.0%

Gas

  1. Autograph — 5.3%
  2. Active Cash — 2.0%

Ground transportation

  1. Autograph — 5.3%
  2. Active Cash — 2.0%

Streaming

  1. Autograph — 5.3%
  2. Active Cash — 2.0%

Phone & internet

  1. Autograph — 5.3%
  2. Active Cash — 2.0%

Flights

  1. Autograph — 5.3%
  2. Active Cash — 2.0%

Hotels

  1. Autograph — 5.3%
  2. Active Cash — 2.0%

Car rental

  1. Autograph — 5.3%
  2. Active Cash — 2.0%

Cruises

  1. Autograph — 5.3%
  2. Active Cash — 2.0%
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