Head to head
Wells Fargo Autograph℠ Card vs Chase Freedom Unlimited
Updated June 2026 · Decided by net annual value (rewards minus the effective fee), not by who pays us.
Wells Fargo Autograph℠ Card
No annual fee
Chase Freedom Unlimited
No annual fee
The verdict
It's a genuine toss-up — each card wins 3 of 6 sample profiles. Your spending decides.
Below: net annual value for each card across six representative spending profiles. Your real numbers will differ — run them here.
Who wins, by how you spend
Net annual value (after the effective fee). The higher number wins each row.
Everyday balanced
A typical mix — some groceries and dining, a little travel, and a big catch-all bucket.
Wells Fargo Autograph℠ Card
$434/yr
Chase Freedom Unlimited
$475/yr
Grocery-heavy family
A household cooking mostly at home — supermarkets are the top line.
Wells Fargo Autograph℠ Card
$438/yr
Chase Freedom Unlimited
$468/yr
Dining-out foodie
Restaurants and delivery dominate the month.
Wells Fargo Autograph℠ Card
$472/yr
Chase Freedom Unlimited
$452/yr
Frequent traveler
Flights, hotels, and rideshare are the biggest category.
Wells Fargo Autograph℠ Card
$574/yr
Chase Freedom Unlimited
$452/yr
Heavy commuter
A long daily drive — gas is the standout category.
Wells Fargo Autograph℠ Card
$407/yr
Chase Freedom Unlimited
$374/yr
Big spender
High spend across every category.
Wells Fargo Autograph℠ Card
$947/yr
Chase Freedom Unlimited
$977/yr
The fine print, side by side
These are six sample profiles. Yours is one.
Enter your actual monthly spending and we'll rank both of these — and every other card — by what they'd net you.
Run your numbersAdvertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
Figures are estimates from our net-value model on fixed sample profiles, using the point valuations on our methodology page. Rates and fees change — verify on the issuer's site before applying.