Active Cash Credit Card vs Wells Fargo Autograph Card

Fees, rewards and real yearly value, side by side. Updated October 29, 2026.

Active Cash Credit Card

Estimated value every year on typical spending

$624/ year

Every year, after the annual fee. Year one adds a $100 welcome bonus: $724

+$624rewards+$0credits & perks−$0annual fee

Wells Fargo Autograph Card

Estimated value every year on typical spending

$528/ year

Every year, after the annual fee. Year one adds a $200 welcome bonus: $728

+$528rewards−$0annual fee

The short answer

On typical spending, the Wells Fargo Active Cash Credit Card comes out ahead: about $624 a year after its fee, against $528 for the Wells Fargo Autograph Card.
In the first year the welcome bonus flips it: the Wells Fargo Autograph Card is worth about $728 in year one.
The Wells Fargo Active Cash Credit Card earns more on groceries, everything else.
The Wells Fargo Autograph Card earns more on dining, gas, travel.

Side by side

	Active Cash Credit Card	Wells Fargo Autograph Card
Annual fee	$0	$0
Rewards	2% cash rewards on purchases with no categories to track or quarterly activations	3X points on restaurants, travel, gas, transit, popular streaming services, and phone plans; 1X points on other purchases
Welcome bonus	$100 cash rewards bonus when you spend $500 in purchases in the first 3 months	Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
Credits counted	$0/yr	$0/yr
Intro APR	0% for the first 12 months	0% for the first 12 months
Regular APR	18.74% to 24.74% variable	18.74% to 24.74% variable
Foreign transaction fee	3%	None
Credit needed	Not specified	Not specified

Yearly rewards by category

Category (monthly spend)	Active Cash Credit Card	Wells Fargo Autograph Card
groceries ($500)	$120	$60
dining ($400)	$96	$144
gas ($200)	$48	$72
travel ($300)	$72	$108
everything else ($1,200)	$288	$144

Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending

Questions people ask

Which is better, the Wells Fargo Active Cash Credit Card or the Wells Fargo Autograph Card?

On typical spending the Wells Fargo Active Cash Credit Card is worth more: about $624 a year after its fee, against $528 for the Wells Fargo Autograph Card. Which is better for you depends on where you spend most; see the category answers below.

Which is better for groceries?

The Wells Fargo Active Cash Credit Card. On $500 a month of groceries it earns about $120 a year, against $60 with the Wells Fargo Autograph Card.

Which is better for dining?

The Wells Fargo Autograph Card. On $400 a month of dining it earns about $144 a year, against $96 with the Wells Fargo Active Cash Credit Card.

Which is better for travel?

The Wells Fargo Autograph Card. On $300 a month of travel it earns about $108 a year, against $72 with the Wells Fargo Active Cash Credit Card.

Which is better for gas?

The Wells Fargo Autograph Card. On $200 a month of gas it earns about $72 a year, against $48 with the Wells Fargo Active Cash Credit Card.

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Maintained by Aashish Shah. Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.