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 OnePay CashRewards Card (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.
3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. 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 | OnePay CashRewards Card | Wells Fargo Autograph Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $35 after $0 spend in 1 months | 20,000 points after $1,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.5% | 1.0% |
| Travel Rewards | 1.5% | 3% |
| Dining Rewards | 1.5% | 3% |
| Gas Rewards | 1.5% | 3% |
| Rates with conditions not counted in the rows above |
5% at Walmart with Walmart+ Earns 5% at Walmart only with a paid Walmart+ membership. Without it the rate is 3%, which is what the ranking uses. |
None |
| Key Benefits | 3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. | 3x points on restaurants, travel, gas, transit, streaming, and phone plans. |
OnePay CashRewards Card 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.