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The Wells Fargo Duo, ranked

Wells Fargo Autograph Journey, Active Cash — 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 Journey 1.8% 1x base rate

Dining

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

Flights

  1. Autograph Journey 7.0% 4x
  2. Active Cash 2.0% 2% base rate

Hotels

  1. Autograph Journey 8.8% 5x
  2. Active Cash 2.0% 2% base rate

Car rental

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

Cruises

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

Travel agencies

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

Campgrounds

  1. Autograph Journey 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 Journey is the better card for everyday spend.

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

Where they differ: Active Cash takes everything else; Autograph Journey takes dining, flights, hotels and car rental, plus 3 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseActive Cash2.0%
DiningAutograph Journey5.3%
FlightsAutograph Journey7.0%
HotelsAutograph Journey8.8%
Car rentalAutograph Journey5.3%
CruisesAutograph Journey5.3%
Travel agenciesAutograph Journey5.3%
CampgroundsAutograph Journey5.3%

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 Journey — 1.8%

Dining

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

Flights

  1. Autograph Journey — 7.0%
  2. Active Cash — 2.0%

Hotels

  1. Autograph Journey — 8.8%
  2. Active Cash — 2.0%

Car rental

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

Cruises

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

Travel agencies

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

Campgrounds

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