United Explorer vs Wells Fargo Autograph: Which Is Better In 2025?

Wells Fargo Autograph Breakdown

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Why We Like It

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Here’s a quick look at why the Wells Fargo Autograph® Card stands out.

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• It earns an unlimited 3X points on a broad set of everyday categories, including restaurants, travel, gas, and streaming services.
• With no annual fee and no foreign transaction fees, it's a cost-effective choice for both daily use and international travel.
• Since the card has a $0 annual fee, you start earning net-positive rewards from your very first purchase (publisher-formulated estimate).

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Pros

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• Earns high rewards on a broad range of everyday spending categories, including restaurants, travel, and gas.
• Includes valuable benefits uncommon for a card with no annual fee, such as cell phone protection and access to travel transfer partners.

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Cons

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• It lacks the premium travel perks found on higher-end cards, such as airport lounge access or annual travel credits.
• Cardholders must track spending to maximize rewards in specific bonus categories, and the list of travel transfer partners is more limited than some competitors.

Wells Fargo Autograph vs United Explorer

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Categories

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Deciding which is better United Explorer or Wells Fargo Autograph depends entirely on your spending habits and travel preferences. One card is tailored for loyal airline customers, while the other offers broad rewards across everyday categories.

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• United℠ Explorer Card is built for frequent United Airlines flyers. Its benefits are geared toward improving the travel experience specifically with that airline.
• Wells Fargo Autograph® Card is best for those who want to earn rewards on a wide variety of everyday spending categories. It's a versatile option for spending on things like dining, gas, and transit.

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Redemption

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United℠ Explorer Card: Rewards are redeemed through the United MileagePlus program, primarily for flights with United and its airline partners. You can also use miles for seat upgrades, hotel stays, and other travel-related experiences.

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Wells Fargo Autograph® Card: This card offers more flexible redemption options through the Wells Fargo Rewards program. Points can be redeemed for cash back, travel, gift cards, or to pay for purchases.

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Travel Perks

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• United℠ Explorer Card: This card’s travel benefits are deeply integrated with the United Airlines ecosystem. Cardholders receive two one-time passes to the United Club℠ each year, priority boarding, and a free first checked bag for the cardholder and a companion on the same reservation. It also has no foreign transaction fees, making it a good companion for international travel.
• Wells Fargo Autograph® Card: While not a traditional airline co-branded card, the Autograph Card holds its own for travelers by having no foreign transaction fees. Its travel ecosystem is centered around the Wells Fargo Rewards portal, where points can be used to book flights, hotels, and car rentals. However, it does not offer airline-specific perks like lounge access or free checked bags.

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Compare Top Rated Credit Cards with Kudos

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Kudos is a personalized tool that helps you compare nearly 3,000 credit cards to find the best match for your spending habits.

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• Test drive credit cards using your real spending data to see potential earnings before you apply.
• Receive a detailed analysis of your approval odds for different cards.
• Earn extra rewards through Kudos Boost when shopping at your favorite stores.
• Get a welcome offer guarantee, where Kudos will match a better offer if you find one within three months.
• Monitor your credit score and track your spending all in one place.

Who Should Choose the United Explorer?

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The United℠ Explorer Card is primarily designed for frequent United Airlines flyers who travel with the airline at least a few times per year. It's also a strong choice for international travelers looking to avoid foreign transaction fees and those who value expedited security screening through credits for Global Entry or TSA PreCheck®. Ultimately, budget-conscious travelers who can leverage perks like a free checked bag and two annual United Club℠ passes will find that this card's benefits can easily offset its annual fee.

Who Should Choose the Wells Fargo Autograph?

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The Wells Fargo Autograph® Card is an excellent choice for consumers who want to earn unlimited rewards on travel and everyday spending without paying an annual fee. It's particularly well-suited for those who prefer a simple "set and forget" card for recurring payments, and it also offers up to $600 in cell phone protection. The card is also a great fit for people with good to excellent credit who desire flexible rewards, including the option to transfer points to various airline and hotel partners.

Alternatives to Consider

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If our United Explorer vs Wells Fargo Autograph comparison has left you feeling like neither card is the perfect match, don't worry. There are plenty of other excellent travel rewards cards on the market to consider.

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Tips for Application Success

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Before You Apply

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• Check your credit score – Most rewards cards, including the United℠ Explorer Card and Wells Fargo Autograph® Card, require good to excellent credit.
• Plan your spending – Ensure you can naturally meet any minimum spending requirement for a welcome offer.
• Know your rewards goal – Understand how you will use the card’s points or miles for your travel plans.

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Application Strategy

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• Know the issuer’s rules – Some issuers have specific rules, like Chase’s 24-month policy, that can affect your eligibility for a new card bonus.
• Time your application – Plan to apply before a large, planned purchase to help meet any minimum spending requirements for a welcome offer.
• Use the reconsideration line – If you are not instantly approved, you can call the issuer to provide more context for your application.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Which card is better for frequent United Airlines flyers?

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The United Explorer Card is specifically designed for United flyers, offering benefits like a free first checked bag, priority boarding, and bonus miles on United purchases. These perks make it the superior choice if you often fly with United.

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Can I use points from the Wells Fargo Autograph Card for United flights?

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While you can't transfer Wells Fargo Rewards points directly to United MileagePlus, you can redeem them for flights, including those on United, through the Wells Fargo travel portal.

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What kind of spender is the Wells Fargo Autograph Card best for?

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The Wells Fargo Autograph Card is ideal for individuals whose spending is concentrated in everyday categories like dining, gas, transit, and streaming services. Its broad bonus categories make it a versatile card for earning rewards on daily purchases.

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