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Each card across six value dimensions (0–100). Bigger area = more all-round value.
| Perk | Wells FargoWF AutographWells Fargo | Wells FargoWF AttuneWells Fargo |
|---|---|---|
| Annual fee | $0 Inferred by source | $0 Inferred by source |
| Realized value* | $0 | $0 |
| Net / year | +$0 | +$0 |
| Value check | Earns its keep | Earns its keep |
| Rewards | points | cashback |
| Lounges | — | — |
| Points & Miles | 3× Restaurants, travel, gas, transit, streaming & phone plans Inferred by source 1× Everything else Inferred by source | 4× Fitness, wellness & self-care Inferred by source 4× Recreation, sports & entertainment (live shows, sporting events) Inferred by source 4× Pet supplies, boarding & grooming; gardening & floral Inferred by source 4× Public transit, EV charging & select thrift stores Inferred by source 1× Everything else Inferred by source |
| Redemption Value | 1¢ per pt Inferred by source | 1¢ per pt Inferred by source |
| Hotel Perks | — | Cell phone protection Inferred by source |
| Credits | — | — |
| Protections | rental cdw — Secondary theft/damage coverage Inferred by source cell phone — Up to $600/claim for damage or theft; $25 deductible; max 2 claims per 12-month period, up to $1,200/year; monthly wireless bill must be paid with card Verified by source | rental cdw — Auto rental collision damage waiver Inferred by source |
| Foreign Tx Fees | None Inferred by source | 3% Inferred by source |
| Cashback | — | Redeem as cash, statement credit, gift cards, travel or charitable donation Inferred by source |
| Data last verified | Jun 17, 2026 | Jun 5, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
They net about the same by realized value minus fee, so it comes down to your spending and which perks you'll actually use.
Both have no annual fee.
Neither includes airport lounge access.