Editorial take: Discover it Cash Back
The first-year Cashback Match effectively doubles your earnings, someone who earns $300 in cash back gets $600 total. It's the best no-fee first card for building credit with real rewards.
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Side-by-side
Discover it Cash Back vs Wells Fargo Autograph Card
Both are well-respected travel cards. The Discover it Cash Back comes from Discover 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 | Discover it Cash Back | Wells Fargo Autograph Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | Cashback Match (first year, unlimited) | 20,000 points |
| Bonus value (est.) | $200 | $200 |
| Min spend to unlock bonus | $0 in 12 mo | $1,000 in 3 mo |
| Issuer | Discover | Wells Fargo |
| Card category | cashback | travel |
| Best earning category (Rotating) | 5x | 1x |
| Transfer partners | None | wf-rewards |
| Headline benefits |
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Read the full review
Discover it Cash Back
$0/yr · Cashback Match (first year, unlimited)
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, Discover it Cash Back or Wells Fargo Autograph Card?
- The two cards offer comparable sign-up bonuses around $200. Pick based on which earning categories you actually use.
- Is the Discover it Cash Back's $0 annual fee worth it compared to the Wells Fargo Autograph Card?
- The Discover it Cash Back 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 Discover it Cash Back.
- Can I have both the Discover it Cash Back and Wells Fargo Autograph Card?
- Yes, since they're from different issuers (Discover 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 Discover it Cash Back or the Wells Fargo Autograph Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Discover it Cash Back: $0 spend in 12 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.