Advertiser Disclosure
Many of the offers that appear on this site are from companies from which The Motley Fool receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear) and may influence which products we write about, but our product ratings are not influenced by compensation. We do not include all companies or offers available in the marketplace.
Ryan is a full-time personal finance writer at Motley Fool Money. He’s been covering topics like credit cards and savings since 2022, when he began his writing career at The Points Guy. He later joined Motley Fool Money, where he continues helping people who are new to the world of personal finance. Outside of work, you’ll find Ryan watching movies, listening to music, or obsessively updating his Letterboxd account.
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.
The Wells Fargo Autograph® Card (rates and fees) packs solid value into a no-annual-fee package. With 3X points in popular categories, it's built for everyday spenders who want simple, flexible rewards.
I've written about all types of credit cards for years and would recommend this card to anyone who wants strong, straightforward rewards without the bells and whistles. I'm also a big advocate for the Wells Fargo Active Cash® Card (rates and fees), so I can speak to the ease of use of the Wells Fargo credit card family as well.
Read on to find out if the Wells Fargo Autograph® Card is right for you.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
0% intro APR on purchases for 12 months from account opening
Purchases: 0% intro APR, 12 months from account opening
Balance Transfers: N/A
Regular APR
19.24%, 24.24%, or 29.24% Variable APR
Rewards
Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
1X-3X points
Annual Fee
$0
Welcome Offer
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
20,000 bonus points
This card offers unlimited 3X points on common things like restaurants, gas stations, travel, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases. This could be a great pick if you spend a lot in those categories. A solid welcome bonus and cell phone protection are the cherries on top.
Strong welcome bonus for a no annual fee card
Earn Unlimited 3x points on useful categories
Cellphone protection
Other cards offer larger bonuses, though they usually come with annual fees
The 1x points baseline rewards rate on other purchases, though normal for this type of card, can be beat
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates and 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.
Our highest-rated credit cards have:
High value through rewards or 0% intro APR offers
Attainable welcome bonuses that make up for any annual fees
Low annual fees or a balance transfer fee of 3%
Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.
Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates and 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.
Our highest-rated credit cards have:
High value through rewards or 0% intro APR offers
Attainable welcome bonuses that make up for any annual fees
Low annual fees or a balance transfer fee of 3%
Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.
Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.
What I like about the Wells Fargo Autograph Card
3X points on all sorts of spending
With the Wells Fargo Autograph® Card, you'll earn 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.
That's a strong return for common expenses, especially for a card with no annual fee. If you're looking for straightforward rewards without having to worry about juggling different earning rates, the Wells Fargo Autograph® Card is hard to beat.
Additional valuable benefits
The Wells Fargo Autograph® Card also includes cellphone protection up to $600 when you pay your monthly bill with it, plus rental car coverage and no foreign transaction fees.
These extras make it a good fit for light travelers and mobile users. A few of these benefits are usually reserved for mid-tier travel cards like the Chase Sapphire Preferred® Card (rates and fees), so getting them on a no-annual-fee card is a win.
Lastly, the Wells Fargo Autograph® Card comes with a welcome offer of 20,000 bonus points when you spend $1,000 on purchases in the first 3 months -- a very easy offer to earn that's essentially worth $200 in rewards.
Credit card comparison
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for cash back on rotating categories
Discover will match all the cash back you’ve earned at the end of your first year.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
1% - 5% Cashback
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for cash rewards on everyday spending
$200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
2% cash rewards
Earn unlimited 2% cash rewards on purchases.
Intro:
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 12 months from account opening
Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for unlimited rewards on purchases
25,000 points
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
1.5-3 points per dollar
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
Intro:
0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Balance transfers
may not be used to pay any account provided by Bank of America.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Given that it has a $0 annual fee, the Wells Fargo Autograph® Card won't provide you with any high-end travel perks like airport lounge access or hotel upgrades.
If you're a frequent traveler looking for luxury benefits, you'll be better off elsewhere.
Fixed point value for most redemptions
Points earned on the Wells Fargo Autograph® Card are typically worth about $0.01 each when redeemed for travel, cash back, or gift cards.
While transfer partners are available, they're limited compared to other issuers. That means the value of your points is likely worth less than points from an Amex or Chase card, though they're still plenty valuable in their own right once you factor in the Wells Fargo Autograph® Card's strong earning rates.
Approval typically requires good to excellent credit. Once you're approved, you'll be able to start using your card online, then in-person once you receive your card through the mail.
Final thoughts
The Wells Fargo Autograph® Card is a great no-annual-fee option for people who want to earn rewards in multiple categories without overthinking it. It's especially appealing for everyday spending and light travel.
If you're looking for a flexible, low-maintenance rewards card, I'd definitely recommend it.
The most well-qualified candidates for the Wells Fargo Autograph® Card typically have credit scores of 670 or higher -- but credit score alone does not guarantee approval and other factors are taken into consideration.
Yes. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
No. You can use this card internationally without paying extra for currency conversions.
Yes. Wells Fargo recently added point transfer options to select airline programs, which may increase the value of your rewards.
Share This Page
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
Terms may apply to offers listed on this page.
JPMorgan Chase is an advertising partner of Motley Fool Money. Wells Fargo is an advertising partner of Motley Fool Money. American Express is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends JPMorgan Chase, Mastercard, PayPal, Target, and Visa. The Motley Fool recommends the following options: long January 2027 $42.50 calls on PayPal and short June 2025 $77.50 calls on PayPal. The Motley Fool has a disclosure policy.
The Motley Fool owns shares of and recommends Visa.
Motley Fool Money is a Motley Fool service that rates and reviews essential products for your everyday money matters.
2025 Award Winner
