Card Comparison
Citi Simplicity vs Wells Fargo Autograph
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
No annual fee
Foreign Fees
3%
None
Signup Bonus
None
20,000 points
Spend $1,000 in 3 months
Top Earn Rates
1x base rate
- Restaurants, Travel, Gas, Transit, Streaming, Phone Plans 3x
- All Other Purchases 1x
Reward Type
cashback
miles
Key Credits
None
None
Transfer Partners
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
- Aer Lingus AerClub
- Flying Blue
- Avianca LifeMiles
- British Airways Executive Club
- Iberia Plus
- +4 more
Common Questions: Citi Simplicity vs Wells Fargo Autograph
Is the Citi Simplicity or Wells Fargo Autograph better for dining?
Citi Simplicity has no dining bonus; Wells Fargo Autograph earns 3x on dining.
Which has the higher signup bonus in 2026?
Citi Simplicity currently offers no current bonus. Wells Fargo Autograph offers 20,000 pts signup bonus (spend $1,000 in 3 months). Wells Fargo Autograph has the larger bonus.
Which card is better for international travel?
Wells Fargo Autograph charges no foreign transaction fees — the better pick for international use. Citi Simplicity charges 3% on foreign purchases.
Can I hold both the Citi Simplicity and the Wells Fargo Autograph?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Citi Simplicity is from Citi and Wells Fargo Autograph is from Wells Fargo, so they're governed by separate bank policies.