Editorial take: The Platinum Card from Amex
The granddaddy of premium cards with Centurion Lounge access, hotel elite status, and a mountain of credits. The $695 fee stings, but if you use even half the credits, you come out ahead.
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Side-by-side
The Platinum Card from Amex vs Wells Fargo Autograph Card
Both are travel travel cards. The The Platinum Card from Amex comes from American Express at $695/yr; the Wells Fargo Autograph Card from Wells Fargo at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the The Platinum Card from Amex is the stronger pick today — the sign-up bonus is meaningfully larger ($1,400 more in estimated value) than the Wells Fargo Autograph Card's. Get the The Platinum Card from Amex first; revisit the Wells Fargo Autograph Card after you've earned that bonus.
| Feature | The Platinum Card from Amex | Wells Fargo Autograph Card |
|---|---|---|
| Annual fee | $695 | $0 |
| Sign-up bonus | 80,000 points | 20,000 points |
| Bonus value (est.) | $1,600 | $200 |
| Min spend to unlock bonus | $8,000 in 6 mo | $1,000 in 3 mo |
| Issuer | American Express | Wells Fargo |
| Card category | travel | travel |
| Best earning category (Flights) | 5x | 1x |
| Transfer partners | amex-mr | None |
| Headline benefits |
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Read the full review
The Platinum Card from Amex
$695/yr · 80,000 points
Read the full review
Wells Fargo Autograph Card
$0/yr · 20,000 points
Editorial take: Wells Fargo Autograph Card
The best no-annual-fee card for everyday spend in 2026. 3x on six broad categories with no caps trumps almost every other free card. Pair with the Autograph Journey if you want transferable points.
Common questions
- Which card has the bigger sign-up bonus, The Platinum Card from Amex or Wells Fargo Autograph Card?
- The The Platinum Card from Amex has the bigger bonus — 80,000 points, worth roughly $1,600, versus 20,000 points (~$200) on the Wells Fargo Autograph Card.
- Is the The Platinum Card from Amex's $695 annual fee worth it compared to the Wells Fargo Autograph Card?
- Premium cards like the The Platinum Card from Amex ($695/yr) earn their fee through credits — travel, dining, lounge access, statement reimbursements. If you'd actively use $695+ of those credits, the math works. The Wells Fargo Autograph Card at $0/yr trades some perks for a lower commitment.
- Can I have both the The Platinum Card from Amex and Wells Fargo Autograph Card?
- Yes, since they're from different issuers (American Express and Wells Fargo) the application rules don't conflict. Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the The Platinum Card from Amex or the Wells Fargo Autograph Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. The Platinum Card from Amex: $8,000 spend in 6 months. Wells Fargo Autograph Card: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.