Which card has a lower annual fee, U.S. Bank Smartly Visa Signature Card or Wells Fargo Autograph Card?

The U.S. Bank Smartly Visa Signature Card has no annual fee, compared to $0 for the Wells Fargo Autograph Card.

Which card earns more cash back, U.S. Bank Smartly Visa Signature Card or Wells Fargo Autograph Card?

The U.S. Bank Smartly Visa Signature Card earns 2.0% 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 U.S. Bank Smartly Visa Signature Card better than the Wells Fargo Autograph Card?

It depends on your spending. If you spend more on categories where the U.S. Bank Smartly Visa Signature Card offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

U.S. Bank Smartly™ Visa Signature® 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 U.S. Bank Smartly™ 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.

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Meet the Contenders

U.S. Bank Smartly Visa Signature Card

Unlimited 2% cash back on every purchase (up to 4% with large U.S. Bank deposit balances). Earns a solid 2.0% on everything else.

Annual fee: None Foreign fees: 3%

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

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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	U.S. Bank Smartly Visa Signature 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	3%	0%
Base Reward Rate	2.0%	1.0%
Travel Rewards	2%	3%
Dining Rewards	2%	3%
Gas Rewards	2%	3%
Key Benefits	Unlimited 2% cash back on every purchase (up to 4% with large U.S. Bank deposit balances).	3x points on restaurants, travel, gas, transit, streaming, and phone plans.

The Verdict

U.S. Bank Smartly 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.