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Bank of America® Customized Cash Rewards Credit Card for Students vs Wells Fargo Autograph® Card
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Bank of America | Wells Fargo |
Card Network | ||
Card Type Data: 2/2 cards | student | travel |
Card Tier Data: 2/2 cards | Entry Level | Entry Level |
Credit Score | — | Good(700-749) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $0 |
Foreign Transaction Fee | — | None |
Purchase APR | 17.49% – 27.49% | 18.49% – 28.49% |
Intro APR | 0% for 15 months | 0% for 12 months |
| Rewards | ||
Welcome Bonus | Earn $200 | Earn 20,000 points |
Reward Rate Data: 2/2 cards | 6% back on choice category (first year) | 3x pts on gas |
Reward Program Data: 2/2 cards | Bank of America Cash Rewards | Wells Fargo Rewards |
| Earning Rates | ||
| All Other Purchases | 1% backUnlimited 1% cash back on all other purchases. | — |
| Choice Category (First Year) | 6% backFirst year bonus. Choice categories: gas & EV charging, online shopping (including cable, internet, phone, streaming), dining, travel, drug stores, or home improvement. Combined with grocery/wholesale clubs up to $2,500/quarter. | — |
| Choice Category (Standard) | 3% backAfter the first year. Choice categories: gas & EV charging, online shopping (including cable, internet, phone, streaming), dining, travel, drug stores, or home improvement. Combined with grocery/wholesale clubs up to $2,500/quarter. | — |
| Gas | — | 3x ptsIncludes gas stations, automated fuel dispensers, and electric vehicle charging stations. |
| Grocery Stores & Wholesale Clubs | 2% backCombined with choice category up to $2,500/quarter. | — |
| Other purchases | — | 1x ptsEarn 1X base point on all other eligible net purchases. |
| Phone plans | — | 3x ptsIncludes landline and cell phone telecommunication providers. |
| Popular Streaming Services | — | 3x ptsIncludes select cable, pay television, and subscription services. |
| Restaurants | — | 3x ptsIncludes eating places, restaurants, drinking places, fast food, and caterers. |
| Transit | — | 3x ptsIncludes passenger railway, taxis, limousines, ferries, toll bridges, highways, parking lots, and garages. |
| Travel | — | 3x ptsIncludes airline, hotel/motel, timeshare, vehicle/auto rental, cruise lines, travel agencies, discount travel sites, and campgrounds. |
| Benefits | ||
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