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The Wells Fargo Duo, ranked

Wells Fargo Autograph Journey, Active Cash — every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Sep 14

Everything else

  1. Active Cash 2.0% 2% base rate
  2. Autograph Journey 1.0% 1x base rate

Dining

  1. Autograph Journey 3.0% 3x
  2. Active Cash 2.0% 2% base rate

Flights

  1. Autograph Journey 4.0% 4x
  2. Active Cash 2.0% 2% base rate

Hotels

  1. Autograph Journey 5.0% 5x
  2. Active Cash 2.0% 2% base rate

Car rental

  1. Autograph Journey 3.0% 3x
  2. Active Cash 2.0% 2% base rate

Cruises

  1. Autograph Journey 3.0% 3x
  2. Active Cash 2.0% 2% base rate

Travel agencies

  1. Autograph Journey 3.0% 3x
  2. Active Cash 2.0% 2% base rate

Campgrounds

  1. Autograph Journey 3.0% 3x
  2. Active Cash 2.0% 2% base rate

What the numbers are doing

Abroad the answer flips: Active Cash charges a 3% foreign transaction fee, so once that comes off the rate Autograph Journey is the better card for everyday spend.

The table is earn rate only — annual fees are not netted out of it. These cards charge Autograph Journey $95 and Active Cash $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Active Cash takes everything else; Autograph Journey takes dining, flights, hotels and car rental, plus 3 more.

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