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

Wells Fargo Autograph vs Hilton Honors Amex

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: Wells Fargo Autograph 69.6%, Hilton Honors Amex 71.0%.

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

Criterion scores (0–10)

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

Downsides

• 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.

• 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

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, Wells Fargo Autograph or Hilton Honors Amex?

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.