Home › Credit cards › Compare › Hilton Honors Amex vs Wells Fargo Autograph

Hilton Honors Amex 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: too close to call (under 3 pts). Scores: Hilton Honors Amex 71.0%, Wells Fargo Autograph 69.6%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Hilton Honors Amex nets $460/yr, Wells Fargo Autograph nets $427/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeAmex: 10.0 · Autograph: 10.0
• Rewards rateAmex: 10 · Autograph: 5.0
• Sign-up bonusAmex: n/a · Autograph: 2.7
• Intro 0% APRAmex: 0.0 · Autograph: 5.7
• Regular APRAmex: 7.0 · Autograph: 7.3
• Foreign transaction feeAmex: 10.0 · Autograph: 10.0
• Regulatory record (CFPB)Amex: 10.0 · Autograph: 8.0

Downsides

• Hilton Honors Amex71.0%
  American Express · no annual fee
  Annual fee $0APR 19.74%–28.74% variableRewards 3% base; 5% dining; 5% gas; 5% groceriesCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable) · Late fee up to $40

• 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, Hilton Honors Amex or Wells Fargo Autograph?

On VaultRubric's rubric: too close to call. 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.