Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Citi Double Cash® Card (no annual fee) and the Wells Fargo Autograph® Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, so it comes down to where you spend: Citi Double Cash Card earns more on groceries and other purchases, Wells Fargo Autograph Card on dining, gas, flights, hotels and other travel. Enter your monthly spending above to see which comes out ahead for you.
Unlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply NowStrongest in travel at 3%. 3x points on restaurants, travel, gas, transit, streaming, and phone plans.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Citi Double Cash Card | Wells Fargo Autograph Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,500 spend in 6 months | 20,000 points after $1,000 spend in 3 months |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 2% | 1% |
| Travel Rewards | 2% | 3% |
| Dining Rewards | 2% | 3% |
| Gas Rewards | 2% | 3% |
| Rates with conditions not counted in the rows above |
5% through Citi Travel Earns 5% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 2%. |
None |
| Key Benefits | Unlimited 2% cash back on all purchases. | 3x points on restaurants, travel, gas, transit, streaming, and phone plans. |
Citi Double Cash Card pulls ahead for groceries spending.
Wells Fargo Autograph Card wins on travel, dining, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.