Editorial take: Bank of America Premium Rewards
Only a standout if you're a BoA Preferred Rewards member, that boost can push earnings to 2.625x on everything, 3.5x on travel and dining. Without it, Venture and Sapphire both beat it.
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Side-by-side
Bank of America Premium Rewards vs Wells Fargo Autograph Card
Both are travel travel cards. The Bank of America Premium Rewards comes from Bank of America at $95/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 | Bank of America Premium Rewards | Wells Fargo Autograph Card |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | Not advertised | 20,000 points |
| Bonus value (est.) | - | $200 |
| Min spend to unlock bonus | - | $1,000 in 3 mo |
| Issuer | Bank of America | Wells Fargo |
| Card category | travel | travel |
| Transfer partners | None | wf-rewards |
| Headline benefits |
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Read the full review
Bank of America Premium Rewards
$95/yr ·
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, Bank of America Premium Rewards or Wells Fargo Autograph Card?
- The Wells Fargo Autograph Card has a public bonus (20,000 points, worth roughly $200), while the Bank of America Premium Rewards doesn't advertise one right now.
- Is the Bank of America Premium Rewards's $95 annual fee worth it compared to the Wells Fargo Autograph Card?
- At $95/yr, the Bank of America Premium Rewards is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Wells Fargo Autograph Card's, pick the one whose perks you'll actually use.
- Can I have both the Bank of America Premium Rewards and Wells Fargo Autograph Card?
- Yes, since they're from different issuers (Bank of America 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 Bank of America Premium Rewards or the Wells Fargo Autograph Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Premium Rewards: no published min spend. 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.