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Amex Green vs Wells Fargo Autograph: Which Is Better In 2025?
July 1, 2025
Editor's Picks
- The American Express® Green Card is a great option for travelers and foodies looking to earn bonus points on a broad range of travel and restaurant spending. Terms Apply.
- With no annual fee, the Wells Fargo Autograph® Card is ideal for earning bonus points on everyday spending categories including restaurants, travel, gas, and transit.
American Express® Green Card Breakdown
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Why We Like It
Here’s a breakdown of what makes the American Express® Green Card (See Rates & Fees) a compelling choice for frequent travelers.
- It earns bonus points on a broad range of travel purchases and at restaurants globally.
- Membership Rewards® points can be transferred to numerous airline and hotel partners, offering excellent redemption flexibility.
- The card has no foreign transaction fees, making it ideal for international use.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.
Pros
- Bonus rewards apply to an extensive list of travel categories—including rideshares, tolls, and public transit—not just flights and hotels.
- Annual statement credits are available for popular travel services, such as CLEAR Plus for expedited airport security.
- The card offers payment flexibility, allowing cardholders to pay for large purchases over time.
Cons
- The annual fee is relatively high for a card that isn't in the premium category.
- Maximizing the value of your points requires some effort, as certain redemption options offer low value.
- Travel credits apply to niche services that may not be useful to all travelers, and a key lounge access perk is being discontinued.
Wells Fargo Autograph Breakdown
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Why We Like It
Here’s a closer look at what makes the Wells Fargo Autograph card a standout choice.
- It earns bonus points across a wide range of popular spending categories.
- You get complimentary cell phone protection against damage or theft when you pay your monthly phone bill with the card.
- The card offers flexible point redemptions, including the valuable option to transfer rewards to travel partners.
Pros
- The card has no annual fee.
- It offers high rewards rates on a broad range of everyday spending categories like restaurants, gas, and travel.
- Travelers can benefit from no foreign transaction fees and the option to transfer points to airline and hotel partners.
Cons
- It lacks premium travel benefits like airport lounge access or annual travel credits.
- Cardholders must track spending categories to maximize rewards, as non-bonus spending earns a low rate.
- The list of airline and hotel transfer partners is less extensive than some competing rewards programs.
Wells Fargo Autograph vs American Express® Green Card
Categories
Deciding which is better, Amex Green or Wells Fargo Autograph, comes down to your primary spending habits. Both cards offer strong rewards in popular categories, but they cater to slightly different consumer needs.
- American Express® Green Card is geared toward travelers and foodies, offering its highest rewards on a wide range of travel purchases and at restaurants around the globe.
- Wells Fargo Autograph® Card provides bonus rewards across a broader set of everyday spending categories, including restaurants, travel, gas, streaming services, and phone plans.
Redemption
American Express® Green Card: Points earned with this card are geared towards travel, offering the flexibility to transfer them to various airline and hotel partners or redeem them directly for bookings.
Wells Fargo Autograph® Card: This card provides straightforward redemption options, allowing you to redeem your points for cash back, statement credits, gift cards, or travel.
Travel Perks
- American Express® Green Card: This card is integrated into the American Express Travel ecosystem, allowing cardholders to book travel through its portal. It offers statement credits for CLEAR® Plus membership and LoungeBuddy purchases (Terms Apply). A key consideration for international use is that this card does have foreign transaction fees.
- Wells Fargo Autograph® Card: Cardholders can book travel through the Wells Fargo Travel portal. A significant perk for travelers is that the card does not charge foreign transaction fees, making it a strong choice for purchases made outside the United States.
Compare Top Rated Credit Cards with Kudos
To make an informed decision, you can use a tool like Kudos to compare top-rated cards based on your own spending.
- Test drive credit cards using your real spending data to see personalized earnings projections before you apply.
- Receive detailed approval odds based on your credit report.
- Manage all your cards in the Kudos Wallet and use the autofill feature at checkout to ensure you're always using the best card for maximum rewards.
- Access exclusive offers, including a welcome offer guarantee and Kudos Boost rewards.
- Track your spending, transactions, and credit score in one platform.
Who Should Choose the American Express® Green Card?
The American Express® Green Card is designed for frequent travelers and diners who want to earn rewards on a broad range of purchases, from airfare and hotels to rideshares and restaurant delivery. It’s particularly well-suited for those willing to put in the effort to maximize value by transferring points to airline and hotel loyalty programs. If your spending is heavily concentrated in travel, transit, and dining, the card's 3X earning rate in these categories makes it a compelling choice. Terms apply.
Who Should Choose the Wells Fargo Autograph?
The Wells Fargo Autograph® Card is an excellent choice for individuals with good to excellent credit who want to earn high rewards on everyday spending without committing to an annual fee. It's particularly well-suited for those whose budgets are heavily weighted toward dining, travel, gas, transit, streaming services, and phone plans, as the card offers unlimited 3x points in these areas. This card is ideal for the value-conscious consumer who desires flexible redemption options, including transfers to travel partners, but doesn't need premium perks like airport lounge access or annual travel credits.
Alternatives to Consider
If the Amex Green vs Wells Fargo Autograph comparison has left you on the fence, there are plenty of other travel cards to consider. Let's explore a few alternatives that might be a better fit for your wallet.
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Tips for Application Success
Before You Apply
- Check your credit score - Most rewards cards require good to excellent credit for approval.
- Plan your spending - Make sure you can meet the welcome offer's spending requirement without overspending.
- Research the benefits - Understand the card’s transfer partners and credits to maximize its value.
Application Strategy
- Time your application strategically - Aligning your application with a large planned purchase makes meeting a spending requirement feel effortless.
- Go straight to the source - Always check the card issuer’s website for the most current offers, as some cards may not be available through all channels.
- Consider your card portfolio - Evaluate how a new card, like the Wells Fargo Autograph® Card, can complement the rewards strategy of cards you already carry.
Our Methodology
We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.
Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.
Frequently Asked Questions
Is there an annual fee for the American Express® Green Card or Wells Fargo Autograph Card?
The American Express® Green Card has an annual fee, while the Wells Fargo Autograph Card does not.
What kind of welcome offers are available for these cards?
Both cards typically provide a welcome offer for new cardmembers, usually as bonus points after meeting a minimum spending requirement within a few months. These offers can change, so it's best to check with the issuer for current details.
How can I redeem rewards from the Amex Green and Wells Fargo Autograph cards?
American Express Green cardholders redeem Membership Rewards points, which are valuable for travel through the Amex portal or by transferring to airline and hotel partners. Wells Fargo Autograph cardholders earn Wells Fargo Rewards points, which are redeemable for travel, cash back, and gift cards.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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