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Wells Fargo Autograph vs Choice Privileges Select Mastercard

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. Autograph 1.8% 1x base rate
  2. Choice Privileges Select Mastercard 0.9% 1x base rate

Dining

  1. Autograph 5.3% 3x
  2. Choice Privileges Select Mastercard 0.9% 1x base rate

Groceries

  1. Choice Privileges Select Mastercard 4.3% 5x
  2. Autograph 1.8% 1x base rate

Gas

  1. Autograph 5.3% 3x
  2. Choice Privileges Select Mastercard 4.3% 5x

Ground transportation

  1. Autograph 5.3% 3x
  2. Choice Privileges Select Mastercard 0.9% 1x base rate

Streaming

  1. Autograph 5.3% 3x
  2. Choice Privileges Select Mastercard 0.9% 1x base rate

Phone & internet

  1. Autograph 5.3% 3x
  2. Choice Privileges Select Mastercard 4.3% 5x

Home improvement

  1. Choice Privileges Select Mastercard 4.3% 5x
  2. Autograph 1.8% 1x base rate

Flights

  1. Autograph 5.3% 3x
  2. Choice Privileges Select Mastercard 0.9% 1x base rate

Hotels

  1. Autograph 5.3% 3x
  2. Choice Privileges Select Mastercard 0.9% 1x base rate

Car rental

  1. Autograph 5.3% 3x
  2. Choice Privileges Select Mastercard 0.9% 1x base rate

Cruises

  1. Autograph 5.3% 3x
  2. Choice Privileges Select Mastercard 0.9% 1x base rate

What the numbers are doing

Autograph tops gas at 5.3% only because this table values its points at 1.75 cents each. Value them at one cent and Choice Privileges Select Mastercard wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Autograph $0 and Choice Privileges Select Mastercard $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Autograph takes everything else, dining, gas and ground transportation, plus 6 more; Choice Privileges Select Mastercard takes groceries and home improvement.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseAutograph1.8%
DiningAutograph5.3%
GroceriesChoice Privileges Select Mastercard4.3%
GasAutograph5.3%
Ground transportationAutograph5.3%
StreamingAutograph5.3%
Phone & internetAutograph5.3%
Home improvementChoice Privileges Select Mastercard4.3%
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. Autograph — 1.8%
  2. Choice Privileges Select Mastercard — 0.9%

Dining

  1. Autograph — 5.3%
  2. Choice Privileges Select Mastercard — 0.9%

Groceries

  1. Choice Privileges Select Mastercard — 4.3%
  2. Autograph — 1.8%

Gas

  1. Autograph — 5.3%
  2. Choice Privileges Select Mastercard — 4.3%

Ground transportation

  1. Autograph — 5.3%
  2. Choice Privileges Select Mastercard — 0.9%

Streaming

  1. Autograph — 5.3%
  2. Choice Privileges Select Mastercard — 0.9%

Phone & internet

  1. Autograph — 5.3%
  2. Choice Privileges Select Mastercard — 4.3%

Home improvement

  1. Choice Privileges Select Mastercard — 4.3%
  2. Autograph — 1.8%

Flights

  1. Autograph — 5.3%
  2. Choice Privileges Select Mastercard — 0.9%

Hotels

  1. Autograph — 5.3%
  2. Choice Privileges Select Mastercard — 0.9%

Car rental

  1. Autograph — 5.3%
  2. Choice Privileges Select Mastercard — 0.9%

Cruises

  1. Autograph — 5.3%
  2. Choice Privileges Select Mastercard — 0.9%
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