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 Gemini Credit 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: Gemini earns more on groceries and gas, Wells Fargo Autograph Card on flights, hotels and other travel. Enter your monthly spending above to see which comes out ahead for you.
Strongest in gas at 4% (up to $3,600/yr). 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries.
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 | Gemini Credit Card | 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 | 1% | 3% |
| Dining Rewards | 3% | 3% |
| Groceries Rewards | 2% | 1% |
| Gas Rewards | 4% (up to $3,600/yr) | 3% |
| Key Benefits | 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries. | 3x points on restaurants, travel, gas, transit, streaming, and phone plans. |
Gemini Credit Card pulls ahead for groceries, gas spending.
Wells Fargo Autograph Card wins on travel.
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.