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Card vs Card Comparison

Amex Gold
vs
Wells Fargo Autograph.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

American Express

Amex Gold

Annual fee

$325

Points

Membership Rewards

Signup bonus

60K points after $6K in 6 months

Top earning rates

  • →4x on restaurants worldwide
  • →4x on US supermarkets (up to $25K per year)
  • →3x on flights booked direct or on Amex Travel

Top perks

  • →$120 Uber Cash ($10 per month)
  • →$120 dining credit ($10 per month at select partners)
  • →$84 Dunkin' credit
See Amex Gold detailsarrow_forward

Wells Fargo

Wells Fargo Autograph

Annual fee

Free

Points

Wells Fargo Rewards

Signup bonus

20K points after $1K in 3 months

Top earning rates

  • →3x on travel, dining, gas, grocery, streaming, and transit
  • →1x everywhere else

Top perks

  • →$0 annual fee
  • →Cell phone protection
  • →No foreign transaction fee
See Wells Fargo Autograph detailsarrow_forward

The verdict

When each card wins.

Amex Gold wins if

Pick this if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop.

Honest downside: Credits split into monthly buckets that you forfeit if you miss a month.

Wells Fargo Autograph wins if

Pick this if you want a $0-fee card that earns 3x across the broadest category list on the market.

Honest downside: No transfer partners. Wells Fargo Rewards function essentially as cashback.

At a glance

Side-by-side spec sheet.

SpecAmex GoldWells Fargo Autograph
Annual fee$325Free
Points currencyMembership RewardsWells Fargo Rewards
Signup bonus60K points20K points
Top earn category4x on restaurants worldwide3x on travel, dining, gas, grocery, streaming, and transit
Second earn category4x on US supermarkets (up to $25K per year)1x everywhere else
Third earn category3x on flights booked direct or on Amex TravelStandard 1x earn
Signature perk$120 Uber Cash ($10 per month)$0 annual fee
IssuerAmerican ExpressWells Fargo

Questions

Frequently asked.

Which is better, Amex Gold or Wells Fargo Autograph?

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Amex Gold wins if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop. Wells Fargo Autograph wins if you want a $0-fee card that earns 3x across the broadest category list on the market.

Can I have both the Amex Gold and the Wells Fargo Autograph?

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Yes. These are issued by different banks (American Express and Wells Fargo), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Amex Gold or Wells Fargo Autograph?

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Amex Gold has the higher annual fee at $325, compared to $0 for Wells Fargo Autograph. Whether the pricier card is worth the difference depends on which credits and perks you use each year.