Home › Credit cards › Compare › Credit One Platinum Visa vs Wells Fargo Autograph

Credit One Platinum Visa vs Wells Fargo Autograph

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Wells Fargo Autograph leads by None pts. Scores: Credit One Platinum Visa 34.7%, Wells Fargo Autograph 69.6%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Credit One Platinum Visa nets $57/yr, Wells Fargo Autograph nets $427/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeVisa: 8.0 · Autograph: 10.0
• Rewards rateVisa: 0.5 · Autograph: 5.0
• Sign-up bonusVisa: n/a · Autograph: 2.7
• Intro 0% APRVisa: 0.0 · Autograph: 5.7
• Regular APRVisa: 3.1 · Autograph: 7.3
• Foreign transaction feeVisa: n/a · Autograph: 10.0
• Regulatory record (CFPB)Visa: n/a · Autograph: 8.0

Downsides

• Credit One Platinum Visa34.7%
  Credit One · no annual fee · limited data
  Annual fee $39 (CFPB TCCP; issuer page did not render a clear fee)APR 28.74%–30.49% variableRewards 0% base; 1% gas; 1% groceries; 1% utilitiesCredit ≤619, 620–719 (CFPB TCCP targeted tiers)

  ⚠ $39 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 30.49% if you carry a balance · Late fee up to $39

• Wells Fargo Autograph69.6%
  Wells Fargo · no annual fee
  Annual fee $0APR 18.74%–28.74% variableRewards 3x restaurants, travel, gas & transit, streaming, phone plans; 1x otherCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ APR up to 28.74% if you carry a balance · 3x on phone plans counted under utilities.

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Credit One Platinum Visa or Wells Fargo Autograph?

On VaultRubric's rubric: Wells Fargo Autograph scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.