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CardCurator — Rewards Intelligence
Card Comparison

Platinum vs Wells Fargo Autograph

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Platinum card art
Navy Federal Credit Union
Platinum
Navy Federal Credit Union
More Info
Wells Fargo Autograph card art
Wells Fargo Autograph Rewards
Wells Fargo Autograph
Wells Fargo
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
None
20,000 points
Spend $1,000 in 3 months
Top Earn Rates
  • All Purchases 1x
  • Restaurants, Travel, Gas, Transit, Streaming, Phone Plans 3x
  • All Other Purchases 1x
Reward Type
credit building
miles
Key Credits
None
None
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: Platinum vs Wells Fargo Autograph

Is the Platinum or Wells Fargo Autograph better for dining?

Platinum has no dining bonus; Wells Fargo Autograph earns 3x on dining.

Which has the higher signup bonus in 2026?

Platinum 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?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Platinum 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. Platinum is from Navy Federal Credit Union and Wells Fargo Autograph is from Wells Fargo, so they're governed by separate bank policies.