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 The Platinum Card from American Express ($895/yr) and the Wells Fargo Autograph® Card (no annual fee) comes down to where you spend most. Platinum Card from American Express needs about $3,730 a month in flights, counting that spending alone, to make up its $895 higher annual fee over Wells Fargo Autograph Card. Below that, Wells Fargo Autograph Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Strongest in flights at 5% (up to $500,000/yr). 5X on flights and prepaid hotels through Amex Travel. Global Lounge Collection access.
Perfect if: You book through the issuer's own site and want premium perks to offset the fee.
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 | The Platinum Card from American Express | Wells Fargo Autograph Card |
|---|---|---|
| Annual Fee | $895 | $0 |
| Sign-Up Bonus | 175,000 points after $12,000 spend in 6 months | 20,000 points after $1,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Flights Rewards | 5% (up to $500,000/yr) | 3% |
| Hotels Rewards | 1% | 3% |
| Other travel Rewards | 1% | 3% |
| Dining Rewards | 1% | 3% |
| Gas Rewards | 1% | 3% |
| Rates with conditions not counted in the rows above |
5% on prepaid hotels through Amex Travel Earns 5% only on prepaid hotels booked through American Express Travel, Amex's own booking site. Hotels booked direct earn 1%. |
None |
| Key Benefits | 5X on flights and prepaid hotels through Amex Travel. Global Lounge Collection access. | 3x points on restaurants, travel, gas, transit, streaming, and phone plans. |
The Platinum Card from American Express pulls ahead for travel spending.
Wells Fargo Autograph Card wins on dining, gas.
The $895/year fee difference means The Platinum Card from American Express needs to earn about that much more in rewards to justify its cost.
The Platinum Card from American Express carries $1,174/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
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.