United Quest 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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This section breaks down why we like the Wells Fargo Autograph® Card.

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• The card has no annual fee or foreign transaction fees, making it a cost-effective choice for travelers and everyday users alike.
• You can earn unlimited 3X points on a wide range of popular categories, including restaurants, travel, transit, gas stations, streaming services, and select phone plans.
• Spending $1,000 on purchases in the first 3 months nets you a $200 cash redemption value (publisher-formulated estimate).

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Pros

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• Points can be transferred to a variety of airline and hotel loyalty programs, a rare feature for a card with no annual fee.
• Provides cell phone protection against damage or theft when you pay your monthly bill with the card.
• Rewards points don't expire as long as the account is open.

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Cons

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• Lacks premium travel perks like airport lounge access or statement credits for expedited security screening.
• The selection of travel transfer partners is more limited compared to other major rewards programs.
• You'll need to keep track of bonus categories to maximize rewards, which can be a drawback if you prefer a simple, flat-rate card.

Wells Fargo Autograph vs United Quest

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Categories

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When deciding which is better United Quest or Wells Fargo Autograph, it's important to consider your spending habits and travel preferences.

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• United Quest℠ Card: This card is designed for frequent United Airlines flyers who want to maximize travel rewards and enjoy premium travel benefits. It is best for those who spend significantly on United purchases and other travel expenses.
• Wells Fargo Autograph® Card: This card is a strong choice for everyday spending, offering bonus rewards across a wide range of categories like dining, travel, gas, and streaming services. It's ideal for those who want a versatile card for both daily purchases and travel.

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Redemption

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United Quest℠ Card: Rewards are redeemed as miles through the United MileagePlus program, primarily for flights with United and its partners. You can also use your miles for other travel-related bookings, such as hotel stays and car rentals.

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Wells Fargo Autograph® Card: This card provides flexible redemption choices, allowing you to use your points for cash back, travel bookings, gift cards, and merchandise. This versatility lets you apply rewards in a way that best fits your financial goals, from offsetting travel costs to getting cash back.

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Travel Perks

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• United Quest℠ Card: The travel ecosystem is built exclusively for United Airlines flyers. Cardholders receive an annual United purchase credit and anniversary award flight credits after meeting certain requirements. Key perks when flying United include free first and second checked bags for the cardmember and one companion on the same reservation, as well as priority boarding. This card does not charge foreign transaction fees but does not offer airport lounge access.
• Wells Fargo Autograph® Card: This card offers a more flexible travel ecosystem that isn’t tied to a single airline or hotel brand. A major perk is the absence of foreign transaction fees, which is a strong feature for a card that has no annual fee. While it lacks airline-specific benefits like free checked bags, priority boarding, or lounge access, it provides access to the Wells Fargo travel portal for booking trips.

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Compare Top Rated Credit Cards with Kudos

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Kudos is a financial tool that helps you compare and evaluate credit cards using your actual spending data to find the best fit for your wallet.

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• Test drive credit cards: Simulate your potential earnings with different cards based on your real spending history—all before you apply and without a hard credit pull.
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• Approval odds analysis: Understand your chances of getting approved for various cards with a detailed analysis based on your credit report.

Who Should Choose the United Quest?

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The United Quest℠ Card is an ideal choice for frequent United Airlines flyers who want to elevate their travel experience. Its benefits, like free checked bags and priority boarding, are designed for those who fly United several times a year and can maximize the annual United purchase credit. Additionally, this premium travel card is a strategic tool for MileagePlus members looking to earn Premier status faster through their everyday spending.

Who Should Choose the Wells Fargo Autograph?

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The Wells Fargo Autograph® Card is an excellent choice for individuals seeking a primary, everyday credit card that earns valuable rewards without an annual fee. It's particularly well-suited for those who frequently spend on dining, travel, gas, streaming services, and phone plans, as it offers unlimited 3x points in these popular categories. Consumers who value flexible redemption options, no foreign transaction fees, and benefits like cell phone protection will find this card to be a strong contender, as detailed in a NerdWallet review.

Alternatives to Consider

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If our United Quest vs. Wells Fargo Autograph comparison didn't leave you with a clear winner, don't worry. There are plenty of other travel rewards cards that might be a better fit for your spending habits and travel goals.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

Tips for Application Success

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Before You Apply

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• Check your credit score: Most travel and rewards cards require good to excellent credit for approval.
• Plan your spending: Make sure you can meet any welcome offer spending requirements without overspending.
• Know the ecosystem: Ensure the card’s benefits and partners align with your travel and spending habits.

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Application Strategy

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• Know the rules - Be aware of issuer-specific restrictions, such as Chase's 5/24 rule, before you apply.
• Time your application strategically - Align your application with planned large purchases to more easily meet welcome offer spending thresholds.
• Evaluate the card's purpose - Determine if a card serves a specific niche, like the United Quest℠ Card for frequent flyers, or is a versatile earner for everyday use.

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 flyers?

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The United Quest Card is specifically designed for those who fly United often, offering benefits like free checked bags and an annual United flight credit.

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Is the Wells Fargo Autograph Card good for international travel?

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Yes, the Wells Fargo Autograph Card is a solid choice for international travel as it does not charge foreign transaction fees.

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Can I transfer points from the Wells Fargo Autograph Card to United MileagePlus?

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No, you cannot directly transfer Wells Fargo Rewards points to the United MileagePlus program. United is a transfer partner of other programs, such as Chase Ultimate Rewards.

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