Editorial take: United Club Infinite Card
Worth it only for frequent United flyers who use the clubs regularly. At $695, you need to visit the club 15+ times a year to break even on lounge access alone.
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Side-by-side
United Club Infinite Card vs Wells Fargo Autograph Card
Both are travel travel cards. The United Club Infinite Card comes from Chase 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 United Club Infinite Card is the stronger pick today, the sign-up bonus is meaningfully larger ($920 more in estimated value) than the Wells Fargo Autograph Card's. Get the United Club Infinite Card first; revisit the Wells Fargo Autograph Card after you've earned that bonus.
| Feature | United Club Infinite Card | Wells Fargo Autograph Card |
|---|---|---|
| Annual fee | $695 | $0 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | 20,000 points |
| Bonus value (est.) | $1,120 | $200 |
| Min spend to unlock bonus | $5,000 in 3 mo | $1,000 in 3 mo |
| Issuer | Chase | Wells Fargo |
| Card category | travel | travel |
| Best earning category (United) | 4x | 1x |
| Transfer partners | None | wells-fargo |
| Headline benefits |
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Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)
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, United Club Infinite Card or Wells Fargo Autograph Card?
- The United Club Infinite Card has the bigger bonus, 80,000 miles (up to 90,000 with authorized user), worth roughly $1,120, versus 20,000 points (~$200) on the Wells Fargo Autograph Card.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the Wells Fargo Autograph Card?
- Premium cards like the United Club Infinite Card ($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 United Club Infinite Card and Wells Fargo Autograph Card?
- Yes, since they're from different issuers (Chase 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 United Club Infinite Card or the Wells Fargo Autograph Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Infinite Card: $5,000 spend in 3 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.