Wells Fargo Autograph Card vs Chase Freedom Unlimited
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
No annual fee
vs
No annual fee
Base Rewards
1x
vs
1.5%
Sign-Up Bonus
$200
vs
$200
Editor Score
8/10
vs
8/10
Detailed Comparison
| Category wins | 4/6 | 2/6 |
| Fees & APR | ||
| Annual Fee | No annual fee★ Lowest | No annual fee |
| Purchase APR | 20.49% – 29.49% | 20.49% – 29.24% |
| Intro APR (Purchases) | 0% · 12 mo | 0% · 15 mo |
| Intro APR (Balance Transfer) | 0% · 15 mo | |
| Foreign Txn Fee | None★ Lowest | 3%✗ Highest |
| Balance Transfer Fee | 3% | 3% |
| Rewards | ||
| Rewards Type | Points | Cashback |
| Base Rewards Rate | 1x✗ Lowest | 1.5%★ Highest |
| Bonus Categories | 3x Restaurants · 3x Travel · 3x Gas Stations | 5% Travel (Chase) · 3% Dining · 3% Drugstores |
| Sign-Up Bonus | $200 value★ Highest | $200 value |
| Eligibility | ||
| Credit Score | Good (670-749) | Good (670-749) |
| Network | Visa | Visa |
| At a Glance | ||
| Best For | People who spend across multiple categories and want no annual fee | Everyday spending with no annual fee |
| Ratings | ||
| User Rating | 4.4 / 5✗ Lowest | 4.6 / 5★ Highest |
| Editor Score | 8 / 10★ Highest | 8 / 10 |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our Verdict
Two excellent no-fee cards with different strengths. The Autograph earns 3x on 6 categories (dining, travel, gas, transit, streaming, phone plans) with cell phone protection. The Freedom Unlimited earns 1.5% on everything plus 3% on dining/drugstores and 5% through Chase Travel. The Autograph covers more categories at 3x, but the Freedom Unlimited's value increases dramatically when paired with a Sapphire card (points become transferable). Standalone: Autograph wins. In the Chase ecosystem: Freedom Unlimited wins.
Winner: Wells Fargo Autograph Card
More bonus categories at 3x and cell phone protection with no fee
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Common Questions
Which is better: Wells Fargo Autograph Card or Chase Freedom Unlimited?
It depends on your spending habits. The Wells Fargo Autograph Card has no annual fee and earns 1x base rewards. The Chase Freedom Unlimited has no annual fee and earns 1.5% base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Wells Fargo Autograph Card and Chase Freedom Unlimited?
The Wells Fargo Autograph Card has no annual fee while the Chase Freedom Unlimited has no annual fee. Both cards have the same annual fee, so the decision comes down to rewards structure and perks.
Can I have both the Wells Fargo Autograph Card and Chase Freedom Unlimited?
Yes, since these cards are from different issuers (Wells Fargo and Chase), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.