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 U.S. Bank Cash+® Visa Signature® 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.
Strongest in groceries at 2%. 5% on two chosen categories up to $2,000/quarter, 2% on one everyday.
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 | U.S. Bank Cash+ Visa Signature Card | Wells Fargo Autograph Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $250 after $1,000 spend in 90 days | 20,000 points after $1,000 spend in 3 months |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1% | 1% |
| Travel Rewards | 1% | 3% |
| Dining Rewards | 1% | 3% |
| Groceries Rewards | 2% | 1% |
| Gas Rewards | 1% | 3% |
| Rates with conditions not counted in the rows above |
5% on prepaid travel Earns 5% only on prepaid hotels and car rentals booked through the U.S. Bank Travel Center. Travel booked anywhere else earns 1%. |
None |
| Key Benefits | 5% on two chosen categories up to $2,000/quarter, 2% on one everyday. | 3x points on restaurants, travel, gas, transit, streaming, and phone plans. |
U.S. Bank Cash+ Visa Signature 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.