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Wells Fargo Autograph vs Citi Double Cash

The short answer

  • Both cards have the same annual fee ($0).
  • At our point valuations the Wells Fargo Autograph earns more on dining, travel, gas.
  • The Citi Double Cash earns more on groceries, everything else.
  • The Wells Fargo Autograph has the bigger welcome offer: about $330 in value vs $200 for the Citi Double Cash.

Side by side

Wells Fargo AutographCiti Double Cash
Annual feeNo annual feeNo annual fee
Welcome offer20,000 after $1,000 in 3 months (≈ $330)20,000 after $1,500 in 6 months (≈ $200)
Earns on dining3x (≈ 4.9%)2x (≈ 2%)
Earns on groceries1x (≈ 1.7%)2x (≈ 2%)
Earns on travel3x (≈ 4.9%)2x (≈ 2%)
Earns on gas3x (≈ 4.9%)2x (≈ 2%)
Earns on everything else1x (≈ 1.7%)2x (≈ 2%)
RewardsWells Fargo RewardsCiti ThankYou
NetworkVisaMastercard
HighlightsNo annual fee · 3x dining, travel, gas & transit · Cell phone protection up to $600 · No foreign transaction feesNo annual fee · 2% cash back on everything · 5% on hotels & cars via Citi Travel · Points transfer with a Strata Premier

“≈ %” is the earn rate times our point valuation (cash-back cards at one cent). Bonus categories can be limited or capped, and offers change — check each issuer’s current terms.

Is the Wells Fargo Autograph better than the Citi Double Cash?

Both cards have the same annual fee ($0). At our point valuations the Wells Fargo Autograph earns more on dining, travel, gas. The Citi Double Cash earns more on groceries, everything else. The Wells Fargo Autograph has the bigger welcome offer: about $330 in value vs $200 for the Citi Double Cash.

What is the annual fee on the Wells Fargo Autograph and the Citi Double Cash?

The Wells Fargo Autograph: no annual fee. The Citi Double Cash: no annual fee.

Full guides

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