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 Fold (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: Fold 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.
1.5% bitcoin back on all purchases (stackable up to 4% with bitcoin activity). Earns a solid 1.5% on everything else.
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 | Fold | 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 | 1.5% | 1% |
| Travel Rewards | 1.5% | 3% |
| Dining Rewards | 1.5% | 3% |
| Gas Rewards | 1.5% | 3% |
| Key Benefits | 1.5% bitcoin back on all purchases (stackable up to 4% with bitcoin activity). | 3x points on restaurants, travel, gas, transit, streaming, and phone plans. |
Fold 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.