Discover it® Cash Back vs Wells Fargo Autograph℠ Card

Discover it® Cash BackDiscover it® Cash Back

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Wells Fargo Autograph℠ CardWells Fargo Autograph℠ Card

Wells Fargo

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
Wells Fargo Rewards
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$100 with any purchase in 90 days
20,000 Wells Fargo Rewards after $1,000 in 90 days

Effective return by category

CategoryDiscover it® Cash BackWells Fargo Autograph℠ Card
Dining & Restaurants5.00%
5x · Rotating (Quarterly) · $1,500 cap
3.00%
3x
Phone & Wireless5.00%
5x · Rotating (Quarterly) · $1,500 cap
3.00%
3x
Entertainment5.00%
5x · Rotating (Quarterly) · $1,500 cap
1.00%
1x
Internet & Cable5.00%
5x · Rotating (Quarterly) · $1,500 cap
1.00%
1x
Utilities5.00%
5x · Rotating (Quarterly) · $1,500 cap
1.00%
1x
Food Delivery1.00%
1x
3.00%
3x
Gas Stations1.00%
1x
3.00%
3x
Rideshare & Transit1.00%
1x
3.00%
3x
Streaming1.00%
1x
3.00%
3x
Travel1.00%
1x
3.00%
3x
Card Travel Portals1.00%
1x
3.00%
3x
Airfare1.00%
1x
3.00%
3x
Hotels & Lodging1.00%
1x
3.00%
3x
Car Rentals1.00%
1x
3.00%
3x
Everything else1.00%
1x
1.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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