Home / Cards / Card comparisons / Wells Fargo Active Cash vs. Wells Fargo Autograph

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• Wells Fargo · Visa · Personal

  Wells Fargo Active Cash® Card

  Flat-rate cash back

  Flat cash rewards of about 2% on purchases.

  Annual fee

  $0

  Credit typically targeted

  Good, Excellent

  Foreign transaction fee

  Yes

  Rewards

  Cash back

  Details for Wells Fargo Active Cash® Card View on issuer site for Wells Fargo Active Cash® Card (opens in a new tab)
• Wells Fargo · Visa · Personal

  Wells Fargo Autograph® Card

  Category bonus (grocery, dining, gas & more)

  Elevated points on restaurants, travel, gas, transit, streaming and phone plans.

  Annual fee

  $0

  Credit typically targeted

  Good, Excellent

  Foreign transaction fee

  None

  Rewards

  Fixed-value points

  Details for Wells Fargo Autograph® Card View on issuer site for Wells Fargo Autograph® Card (opens in a new tab)

Side by side

Comparison of Wells Fargo Active Cash Card and Wells Fargo Autograph Card

	Wells Fargo Active Cash® Card	Wells Fargo Autograph® Card
Issuer	Wells Fargo	Wells Fargo
Network	Visa	Visa
Card type	Flat-rate cash back	Category bonus (grocery, dining, gas & more)
Card for	Personal	Personal
Annual fee band	$0	$0
Welcome offer	Check issuer	Check issuer
APR and any intro APR	Check issuer	Check issuer
Credit typically targeted	Good, Excellent	Good, Excellent
Rewards type	Cash back	Fixed-value points
How it earns	Flat cash rewards of about 2% on purchases.	Elevated points on restaurants, travel, gas, transit, streaming and phone plans.
Foreign transaction fee	Yes	None
Bonus category caps	No	No
Features	Flat rate	Dining, Travel, Gas, Transit, Streaming, Phone plans
Pros	Flat earn with nothing to track No annual fee Rewards are straightforward cash	Broad bonus categories with no annual fee Good fit for gas, dining and commuting No foreign transaction fee
Cons	Foreign transaction fee No elevated categories	No grocery bonus Points add a step compared with plain cash back
Watch out for	Foreign transaction fee is common. Any balance transfer or intro terms change often. Check the issuer.	Earns points rather than straight cash, so check redemption values. Confirm current transfer options, if any, with the issuer.
Last reviewed	October 2, 2026	October 2, 2026
Links	Details View on issuer site	Details View on issuer site

Who should pick which

By the Credit Cards for Rewards editorial team · How we evaluate cards

Two Wells Fargo cards with no annual fee. Active Cash pays flat cash rewards of about 2% and charges a foreign transaction fee, while Autograph earns points in categories such as restaurants, travel, gas, transit, streaming and phone plans, with no foreign transaction fee.

Pick the Wells Fargo Active Cash if…

• You want straightforward cash with nothing to track.
• Your spending doesn't concentrate in Autograph's categories.
• Groceries are a big expense; Autograph has no grocery bonus.

Pick the Wells Fargo Autograph if…

• Commuting, gas and eating out make up much of your budget.
• You travel abroad and want to avoid a foreign transaction fee.
• You're fine with points and will check redemption values first.

Bottom line

They can also work as a pair: Autograph for its categories and trips abroad, Active Cash for everything else. Intro or balance transfer terms change often, so check the issuer.

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