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Side-by-side
BECU Secured Low Rate Credit Card vs Wells Fargo Autograph Card
Both are well-respected travel cards. The BECU Secured Low Rate Credit Card comes from BECU at $0/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
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Secured Low Rate Credit Card | Wells Fargo Autograph Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | No welcome bonus | 20,000 points |
| Bonus value (est.) | $0 | $200 |
| Min spend to unlock bonus | $0 in 0 mo | $1,000 in 3 mo |
| Issuer | BECU | Wells Fargo |
| Card category | low-interest | travel |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | wf-rewards |
| Headline benefits |
|
Read the full review
BECU Secured Low Rate Credit Card
$0/yr · No welcome bonus
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, BECU Secured Low Rate Credit Card or Wells Fargo Autograph Card?
- The Wells Fargo Autograph Card has the bigger bonus, 20,000 points, worth roughly $200, versus No welcome bonus (~$0) on the BECU Secured Low Rate Credit Card.
- Is the BECU Secured Low Rate Credit Card's $0 annual fee worth it compared to the Wells Fargo Autograph Card?
- The BECU Secured Low Rate Credit Card has no annual fee, so the question is whether the Wells Fargo Autograph Card's $0 fee is justified by its perks. If you'll use enough of the Wells Fargo Autograph Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BECU Secured Low Rate Credit Card.
- Can I have both the BECU Secured Low Rate Credit Card and Wells Fargo Autograph Card?
- Yes, since they're from different issuers (BECU 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 BECU Secured Low Rate Credit Card or the Wells Fargo Autograph Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Secured Low Rate Credit Card: $0 spend in 0 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.