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Amex Gold Card vs. Wells Fargo Autograph Card [2024]

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Christine Krzyszton
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Christine Krzyszton

Senior Finance Contributor

313 Published Articles

Countries Visited: 98U.S. States Visited: 45

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
Edited by: Jessica Merritt
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Jessica Merritt

Editor & Content Contributor

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A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
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Keri Stooksbury

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With years of experience in corporate marketing and as the executive director of the American Chamber of Commerce in Qatar, Keri is now editor-in-chief at UP, overseeing daily content operations and r...

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A key foundation of a points and miles lifestyle is having an everyday spending card that earns rewards on common purchases.

With that foundation in place, every purchase you make will earn valuable rewards.

Selecting a card that will match your purchasing habits is a key factor when getting started.

Today we’ve selected 2 cards that have powerful earning structures for daily purchases, the American Express® Gold Card and the Wells Fargo Autograph℠ Card.

These cards also earn well on select travel, have multiple redemption options, and come with several useful protections and benefits.

Join us as we look closely at all the features and benefits of the Amex Gold card and Wells Fargo Autograph card to see which card deserves a spot in your wallet for everyday spending.

The Amex Gold Card vs. Wells Fargo Autograph Card — Overview

Let’s start with a quick overview of the key features and benefits of the Amex Gold card and the Wells Fargo Autograph card.

Here’s a brief card comparison to review before we dive into the details of both cards:

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Feature or Benefit

American Express® Gold Card Wells Fargo Autograph℠ Card

Welcome Offer

Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. 

Earn 20,000 bonus points when spending $1,000 in purchases in the first 3 months.

Earning 

  • 4x points at U.S. supermarkets up to $25,000 in purchases each year, then 1x points
  • 4x points at restaurants worldwide
  • 3x points on flights purchased via the airlines or AmexTravel.com
  • 3x points at restaurants, travel, gas stations, transit, popular streaming services, and phone plans
  • 1x points on all other purchases

Top Redemption Options

Transfer points to airline and hotel partners, redeem for select travel via AmexTravel.com

Statement credit, gift cards, travel, shopping with select merchants

Top Travel Protections and Benefits

Car rental insurance, trip delay, The Hotel Collection benefits

Car rental insurance, roadside dispatch, Visa Signature Luxury Hotel Collection benefits

Top Shopping Protections and Benefits

Purchase protection, extended warranty, Uber Cash, dining credits

Cell phone protection, 0% intro APR for 12 months from account opening on purchases, 20.24%, 25.24%, or 29.99% Variable APR thereafter

Annual Fees and Authorized Users

$250 (rates & fees), no charge for up to 5 additional users; $35 for each user added after that (rates & fees)$0, $0 to add authorized users

The Value of a Welcome Offer

Once you’re approved for either the Amex Gold card or Wells Fargo Autograph card you’ll have the opportunity to earn a welcome bonus offer.

Each of our featured cards has a generous welcome offer, typically worth hundreds of dollars, that can be earned once minimum spending requirements have been met.

Minimum spending requirements must be met in the specified period following card approval. Because offers can vary, you’ll want to check out the most current offers below before applying for either card:

BEST FOR DINING
American Express® Gold CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros
  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Wells Fargo Autograph℠ CardRates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

Learn More(at Wells Fargo's secure site)
The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
20,000 points
$0
0% intro APR for 12 months from account opening on purchases, 20.24%, 25.24%, or 29.99% variable APR thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Wells Fargo Autograph℠ Card is an excellent no annual fee card that offers 3x points on 6 different bonus categories. Choose from multiple options when you’re ready to redeem your rewards, and take advantage of great perks including cell phone protection, auto rental collision damage waiver, and no foreign transaction fees.

Pros
  • 3x points per $1 spent on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
  • 1x points per $1 spent on other purchases
  • No annual fee
Cons
    • Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized value
  • Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
  • Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
  • $0 annual fee.
  • 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Financial Snapshot
  • APR: 0% intro APR for 12 months from account opening on purchases, 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • Foreign Transaction Fees: None
Bottom Line:

The Amex Gold card and Wells Fargo Autograph card come with generous welcome bonus offers that can be earned after meeting minimum spending requirements in the period following card approval. Check for the latest welcome offer before applying.

Earning Potential

The Amex Gold card earns flexible Membership Rewards points while the Wells Fargo Autograph card earns points that can readily be redeemed for cash-back.

We’ll discuss redemption options shortly but first, let’s look at each card’s unique earning structure.

Here’s how you’ll earn rewards when spending with our featured cards:

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The Amex Gold card earns well on flights, at supermarkets, and on dining. If the majority of your spending falls into these categories, you could do well with the card.

The Wells Fargo Autograph card has elevated earnings in 6 categories, making it a potentially good choice for earning on everyday purchases.

Since the best card for earning rewards is ultimately based on your spending mix, let’s look at a couple of simple spending scenarios that illustrate the earning differences.

Spending Scenario #1

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Spending Scenario #2

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While there is a significant difference in rewards earning in our first scenario, a change in the spending mix creates a closer match in the second example.

The better earning card for your situation will be the one that best matches your specific spending mix.

Earning potential is a key factor in selecting an everyday purchasing card, although it is not the only factor you should consider. The value you receive at redemption time is even more important.

Next, we look at your options for redeeming rewards and the potential value you can expect.

Bottom Line:

The Amex Gold card is the earnings winner for most everyday spending scenarios. Because of its elevated earnings at U.S. supermarkets, on dining, and flights, the points add up quickly. The Wells Fargo Autograph card offers 3x points earning in 6 bonus categories and has a solid earning structure for a no-annual-fee card.

Redemption Options

It’s an exciting time when you have a stash of rewards, and you’re ready to redeem them for something special. With the Amex Gold card and Wells Fargo Autograph card, you’ll have several choices.

Will you book a family vacation, a flight to visit a friend, or have the satisfaction of paying off a significant recent purchase with a statement credit?

Here are the options you’ll have at redemption time:

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Redemption Option

Amex Gold Card

Wells Fargo Autograph Card

Travel

Transfer points to airline/hotel partners to purchase award flights or free hotel nights or redeem for select travel via AmexTravel.com

Redeem for a statement credit toward travel purchases or redeem via phone for select travel via Wells Fargo Rewards

Statement Credits

Redeem points for 0.6 cents each 

Redeem points for 1 cent each

Additional Redemption Options

Gift cards, shopping at select retailers, charitable donation

Transfer to a qualifying Wells Fargo credit card, checking account, or mortgage, gift cards, shopping at select retailers, checkout with PayPal

The Amex Gold card has the key advantage at redemption time with the ability to transfer points to airline or hotel partners. This flexibility also adds value. We value Membership Rewards points at 2.2 cents each, while Wells Fargo points are worth just 1 cent each due to their fixed redemption value.

If you earn 40,000 Membership Rewards points on the Amex Gold card, you could potentially redeem those points for $880 worth of flights (or more) by transferring to airline partners. Earning 40,000 points on the Wells Fargo Autograph card would be worth $400.

The Amex Gold card, while the better card for redemption options, does come with an annual fee. The Wells Fargo Autograph card does not.

Bottom Line:

Membership Rewards points earned on the Amex Gold card have far greater potential value than points earned on the Wells Fargo Autograph card with a fixed value of 1 cent each. Transferring Membership Rewards points to airline or hotel partners can result in the highest potential redemption value.

Travel Protections and Benefits

05 London Heathrow Terminal 5
Knowing which protections and benefits come with your card can help you get assistance when you need it. Image Credit: Greg Stone

Both the Amex Gold card and Wells Fargo Autograph card come with useful travel protections and benefits.

Travel protections can provide help if something goes wrong during your journey, while travel benefits can save you money or add comfort to your trip.

Here are the travel protections and benefits you’ll find on both of our featured cards and those that are unique to each card:

  • Car Rental Insurance — Use your card to reserve and pay for your entire car rental, and decline the rental agency’s CDW/LDW insurance, to receive secondary coverage for damage and theft. Secondary coverage means that you must first file a claim with any other applicable insurance before card coverage applies.
  • Global Assist Hotline/Travel and Emergency Services Assistance — Make just 1 call for 24/7 assistance during your travels. Services can include help arranging emergency transport, referrals for translation services, English-speaking medical/legal service referrals, and help obtaining emergency funds.
  • No Foreign Transaction Fees — You’ll want to avoid foreign transaction fees when making purchases while traveling. Fortunately, neither of our featured cards charges these fees. Here are the rates & fees for the Amex Gold card.

Amex Gold Card — Additional Travel Protections and Benefits

  • Access to Premium Protection Car Rental Insurance — Add Premium Protection to your card for 1 low price that covers the entire rental period and receive primary car rental insurance. Prices range from $12.25 to $24.95, depending on coverage level and state of residence, to cover up to 42 consecutive rental days.
  • Trip Delay — If your trip is delayed more than 12 hours due to a covered loss, you could receive up to $300 per covered trip on up to 2 claims per 12-month consecutive period.
  • Baggage Insurance — You could receive up to $1,250 as reimbursement for lost, stolen, or damaged luggage.
  • The Hotel Collection Benefits — Reserve and pay for your stay with your card and receive an upgraded room on arrival (when available), and a $100 credit to use for an on-site experience during your stay.

Wells Fargo Autograph Card — Additional Travel Protections and Benefits

  • Roadside Dispatch — No need to be stranded roadside when you have 24/7 assistance for 1 low pre-negotiated service fee. Services include limited towing, emergency fuel, lockout service, tire changing, and jumpstart. Cardholders are responsible for actual services received that exceed those included in the service call.
  • Visa Signature Luxury Hotel Collection Benefits — Book your stay with your card and receive a room upgrade at arrival (when available), free Wi-Fi, and complimentary breakfast for 2. Additionally, you’ll receive a $25 food/beverage credit, VIP guest status, and late checkout when requested (when available).
Bottom Line:

The Amex Gold card and Wells Fargo Autograph card come with secondary car rental insurance, travel and emergency assistance, and no foreign transaction fees. Additionally, the Amex Gold card offers access to Premium Protection primary car rental coverage, trip delay coverage, baggage insurance, and The Hotel Collection benefits. The Wells Fargo Autograph card has roadside dispatch coverage and Visa Signature Luxury Hotel Collection benefits.

Shopping Protections and Benefits

Uber Upgraded Points LLC
Shopping protections can repair, replace, or reimburse you for the covered loss of eligible items, like a cell phone. Image Credit: Upgraded Points

When you purchase an eligible item with your Amex Gold card or Wells Fargo Autograph card, you may receive protection that can provide economic relief should something happen to your purchase.

Shopping benefits can save you money or help you earn additional rewards.

Here are the shopping protections and benefits you’ll find on each of our featured cards.

Amex Gold Card

  • Purchase Protection — Purchase an eligible item with your card and receive coverage for damage and theft for up to 90 days from the purchase date. The coverage limit is $10,000 per covered purchase and $50,000 per eligible card.
  • Extended Warranty — Eligible items purchased with your card that have manufacturer’s warranties of 3 years or less will have the warranty coverage extended by 1 year.
  • Uber Cash — Add your card to your Uber account and receive monthly Uber Cash of $10 each month, up to $120 each year. Uber Cash can be used for Uber rides and Uber Eats in the U.S.
  • Dining Credit — Use your card for purchases at The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, select Shake Shack locations, or with Grubhub, and receive up to $10 in statement credits each month, up to $120 each year. Enrollment required.
  • Amex Offers — Log in to your online card account and choose from up to 100 Amex Offers that can save you money or help you earn additional Membership Rewards points for select purchases.

Wells Fargo Autograph Card

  • Cellular Telephone Protection — Pay for your monthly bill with your card, and you could receive up to $600 if your cell phone is damaged, stolen, or lost due to “involuntary and accidental parting.” Each claim is subject to a $25 deductible, and there is a limit of 2 claims per 12-month period. Lost cell phones due to mysterious disappearance are not covered.
  • Introductory 0% APR on Purchases — Save money on interest charges with a 0% intro APR for 12 months from account opening on purchases, 20.24%, 25.24%, or 29.99% Variable APR thereafter.
  • My Wells Fargo Deals — Earn additional cash-back by activating select offers from a variety of merchants.
Bottom Line:

The Amex Gold card comes with purchase protection and extended warranty coverage for eligible items. Shopping benefits include Uber Cash, dining credits, and Amex Offers. The Wells Fargo Autograph card comes with valuable cell phone protection and an introductory 0% APR on purchases.

Annual Fees and Authorized Users

When selecting a rewards-earning card, it’s important to consider any fees associated with card ownership, especially annual fees and the cost of adding additional users.

Here are the annual fees and authorized user charges for the Amex Gold card and the Wells Fargo Autograph card.

Annual Fees

The Amex Gold card has an annual fee of $250, while the Wells Fargo Autograph card does not charge an annual fee.

This is a significant factor to consider as you would need to receive additional value from the Amex Gold card to help offset that fee. With the added potential value of transferring points to airline and hotel partners and utilizing both the Uber Cash and dining credits available on the card, this could be accomplished.

Adding Authorized Users

Authorized users can serve the purpose of earning rewards faster. The Amex Gold card does not charge a fee for up to 5 additional users. After that, there is a $35 fee for each user.

The Wells Fargo Autograph card does not charge a fee to add authorized users.

Final Thoughts

The Amex Gold card is a better overall card than the Wells Fargo Autograph card when it comes to both earning and redeeming points. We like that the card strikes a desirable balance between an everyday earnings card and a travel rewards card.

If you’re not a frequent traveler and you prefer basic cash-back earnings, the no-annual-fee Wells Fargo Autograph card will function well for everyday purchases. Plus, the card has valuable cell phone protection and an introductory 0% APR on purchases. Saving interest charges on major purchases within the first 12 months of card ownership certainly has value.

Your spending mix, redemption preferences, the value of card benefits, and your preference for paying an annual fee will ultimately determine which card works best for you.


For the car rental loss and damage insurance benefit of the American Express® Gold Card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the global assist hotline benefit of the American Express® Gold Card, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

For the trip delay insurance benefit of the American Express® Gold Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the baggage insurance plan benefit of the American Express® Gold Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the American Express® Gold Card, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of the American Express® Gold Card, when an American Express® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For rates and fees of the American Express® Gold Card, click here.

Frequently Asked Questions

Which is the better card, the Amex Gold card or the Wells Fargo Autograph card?

The Amex Gold card is the better card for earning, with 4x points at supermarkets and dining and it earns flexible Membership Rewards points versus cash-back points. At redemption time, the Amex Gold card is also superior to the Wells Fargo Autograph card as it has the option to transfer points to airline/hotel partners for greater potential value.

Can I transfer points earned on the Wells Fargo Autograph card to airline or hotel programs?

No. The Wells Fargo Autograph card earns fixed value points that can readily be redeemed for cash-back. Additional redemption options include travel, gift cards, and checkout with PayPal.

Does the Wells Fargo Autograph card charge foreign transaction fees?

No, the Wells Fargo Autograph card does not charge foreign transaction fees.

Does the Wells Fargo Autograph card have cell phone protection?

Yes. The Wells Fargo Autograph card comes with cell phone protection that provides up to $600 for cell phones that are damaged, stolen, or for “involuntary and accidental parting.” Lost phones are not covered and there is a $25 deductible for each claim with a limit of 2 claims per 12-month period.

Can I redeem Membership Rewards points for a statement credit?

Yes, you can redeem Membership Rewards points for statement credits but the value is poor. Each point is worth 0.6 cents when redeemed for a statement credit.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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