Which card has a lower annual fee, Luxury Card Mastercard Titanium Card or Wells Fargo Autograph Card?

The Wells Fargo Autograph Card has no annual fee, compared to $299 for the Luxury Card Mastercard Titanium Card.

Which card earns more cash back, Luxury Card Mastercard Titanium Card or Wells Fargo Autograph Card?

The Luxury Card Mastercard Titanium Card earns 1.0% base cash back, while the Wells Fargo Autograph Card earns 1.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Luxury Card Mastercard Titanium Card better than the Wells Fargo Autograph Card?

It depends on your spending. If you spend more on categories where the Luxury Card Mastercard Titanium Card offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Mastercard® Titanium Card® vs Wells Fargo Autograph® Card: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

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 Mastercard® Titanium Card® ($299/yr) 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.

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Meet the Contenders

Luxury Card Mastercard Titanium Card

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2X points on airfare and hotels booked through LuxuryCardTravel.com, 1X on everything else; entry-level tier with unlimited-guest lounge access and 24/7 concierge, no welcome bonus. Earns 1X points on everything else.

Annual fee: $299 Foreign fees: 0%

Perfect if: You spend enough in bonus categories to easily offset the annual fee.

Beyond the points: Built for benefits over raw earn rate: Priority Pass Select lounge access with unlimited guest visits, 24/7 concierge, and Luxury Card Travel perks averaging $750 per stay at 3,000+ properties, none of which show up in a points-only ranking.

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Wells Fargo Autograph Card

Strongest in travel at 3%. 3x points on restaurants, travel, gas, transit, streaming, and phone plans.

Annual fee: None Sign-up bonus: 20,000 points after $1,000 spend in 3 months Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

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Head-to-Head Comparison

Feature	Luxury Card Mastercard Titanium Card	Wells Fargo Autograph Card
Annual Fee	$299	$0
Sign-Up Bonus	None	20,000 points after $1,000 spend in 3 months
Foreign Transaction Fee	0%	0%
Base Reward Rate	1X points	1%
Redemption Value	2% redeemed for airfare, 1% redeemed for cash back	1.0¢ per point
Travel Rewards	1X points	3%
Dining Rewards	1X points	3%
Gas Rewards	1X points	3%
Key Benefits	2X points on airfare and hotels booked through LuxuryCardTravel.com, 1X on everything else; entry-level tier with unlimited-guest lounge access and 24/7 concierge, no welcome bonus.	3x points on restaurants, travel, gas, transit, streaming, and phone plans.

The Verdict

Wells Fargo Autograph Card wins on travel, dining, gas.

The $299/year fee difference means Luxury Card Mastercard Titanium Card needs to earn about that much more in rewards to justify its cost.

Rewards rates aren’t the whole story here. Lounge access, concierge service, travel protections, and statement credits can be worth more than a fraction of a percent in earn rate. See the key benefits above and weigh them against how you travel and spend.

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.

Comparisons based on current published terms and estimated point values. Actual results depend on spending, redemption, and qualification. Verify current offers on the issuer’s site.

Mastercard® Titanium Card®

2% Value for Airfare Redemptions
1% Value for Cash Back Redemptions
Terms and Conditions Apply

Terms and conditions apply.

The Luxury Card trademarks are property of Barclays Lifestyles LLC. TITANIUM CARD is a registered trademark used under license. Luxury Card products are issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated, owner of the registered trademarks Mastercard, World Elite Mastercard, and the circles design. All trademarks are the property of their respective owners. © 2026 Barclays Lifestyles LLC