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 Costco Anywhere Visa® Card by Citi (no annual fee) and the Wells Fargo Autograph® Card (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
Strongest in gas at 4% (up to $7,000/yr). 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases.
Perfect if: You want solid rewards without paying an annual 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 | Costco Anywhere Visa Card by Citi | Wells Fargo Autograph Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | 20,000 points after $1,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Travel Rewards | 3% | 3% |
| Dining Rewards | 3% | 3% |
| Gas Rewards | 4% (up to $7,000/yr) | 3% |
| Rates with conditions not counted in the rows above |
2% at Costco Earns 2% only at Costco and Costco.com. Groceries bought anywhere else earn 1%. |
None |
| Key Benefits | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. | 3x points on restaurants, travel, gas, transit, streaming, and phone plans. |
Costco Anywhere Visa Card by Citi pulls ahead for gas spending.
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.