PenFed Platinum Rewards Visa Signature® Card vs Wells Fargo Autograph℠ Card

PenFed Platinum Rewards Visa Signature® CardPenFed Platinum Rewards Visa Signature® Card

PenFed

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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
PenFed Points
Wells Fargo Rewards
Point Value
0.85¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
15,000 PenFed Points after $1,500 in 90 days
20,000 Wells Fargo Rewards after $1,000 in 90 days

Effective return by category

CategoryPenFed Platinum Rewards Visa Signature® CardWells Fargo Autograph℠ Card
Gas Stations4.25%
5x
3.00%
3x
EV Charging4.25%
5x
1.00%
1x
Dining & Restaurants2.55%
3x
3.00%
3x
Food Delivery0.85%
1x
3.00%
3x
Airfare0.85%
1x
3.00%
3x
Transit & Rideshare0.85%
1x
3.00%
3x
Phone & Wireless0.85%
1x
3.00%
3x
Streaming Services2.55%
3x
3.00%
3x
Groceries2.55%
3x
1.00%
1x
Everything else0.85%
1x
1.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

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

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