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 Hilton Honors American Express 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: Hilton Honors Amex 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.
Strongest in dining at 5%. 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. Earns a solid 3.0% 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 | Hilton Honors American Express Card | Wells Fargo Autograph Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | 70,000 points after $2,000 spend in 6 months | 20,000 points after $1,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 3% | 1% |
| Travel Rewards | 3% | 3% |
| Dining Rewards | 5% | 3% |
| Groceries Rewards | 5% | 1% |
| Gas Rewards | 5% | 3% |
| Rates with conditions not counted in the rows above |
7% at Hilton hotels Earns 7% only on stays at hotels and resorts in the Hilton portfolio. Travel booked anywhere else earns the flat 3%. |
None |
| Key Benefits | 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. | 3x points on restaurants, travel, gas, transit, streaming, and phone plans. |
Hilton Honors American Express Card pulls ahead for dining, groceries, 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.