Wells Fargo Autograph℠ Card
Earn 20,000 bonus points after spending just $1,000 in the first 3 months from account opening. That’s a cash redemption value of $200!
Looking for a no-annual-fee rewards card with valuable benefits and unlimited rewards potential? Look no further than the Wells Fargo Autograph℠ Card!
- Earn unlimited 3X points on restaurants, travel, gas stations, phone plans, and more! Plus, earn 1X points on other purchases.
- 0% Intro APR on purchases for 12 months from account opening from account opening (after which a go-to rate of 20.24%, 25.24%, or 29.99% Variable APR applies)
- Low deductible cell phone coverage
With these perks, it’s no wonder that this card is at the top of our financial experts’ pick list for no-annual-fee rewards cards.
Note: You must select “Apply Now” to take advantage of this specific offer.
Wells Fargo Autograph℠ Card
4.50 out of 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 = Poor4.50 out of 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 = PoorIntro 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
20.24%, 25.24%, or 29.99% 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 N/A
$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
- Select “Apply Now” to take advantage of this specific 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. 20.24%, 25.24%, or 29.99% 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.
Our top 6 reasons to apply today:
Hefty welcome bonus
The Wells Fargo Autograph℠ Card has a welcome bonus offer of 20,000 bonus points, with a cash redemption value of $200. This offer is available to new cardholders and can be earned after spending at least $1,000 within 3 months of account opening.
Rewards
The Wells Fargo Autograph℠ Card earns rewards in several popular spending categories.
Earn 3 points per $1 at restaurants, gas stations, travel and more! But the rewards don't stop there. You'll also earn 1 point per $1 on other purchases made with your card.
0% intro APR offer
The Wells Fargo Autograph℠ Card has a 0% intro APR offer on purchases. During the first 12 months from account opening of account ownership, you can get 0% intro APR on purchases made with your card. This is a nice perk that can help finance the cost of a large purchase while avoiding interest during the introductory period.
No cap on rewards
Some rewards credit cards have a cap on how many rewards you can earn, but this isn't the case with the Wells Fargo Autograph℠ Card. You can earn unlimited rewards with this card.
No annual fee
If you're looking for a rewards credit card with no annual fee, the Wells Fargo Autograph℠ Card meets those requirements.
Cell phone coverage
If you pay your cell phone service bill with your Wells Fargo Autograph℠ Card, you'll get cell phone protection, which covers you when your phone is damaged, stolen, or lost. Cardholders can get a maximum of $600 per claim for eligible repairs or replacement with a deductible of $25. This is a valuable perk with a low deductible.
Suggested credit score
This credit card is intended for consumers with good credit. A FICO® Score of at least 670 is recommended when applying for the Wells Fargo Autograph℠ Card. Your credit score is one of many factors considered during the application process. It's possible to get approved with a lower score or be denied with a higher credit score.
The Wells Fargo Autograph Card is right for you if:
The Wells Fargo Autograph℠ Card is a solid rewards card with attractive benefits. This credit card could be a good fit for you if you're looking for a credit card that:
- Has no annual fee
- Earns rewards in several everyday spending categories with no rewards cap
- Has flexible redemption options
- Offers 0% intro APR on purchases
- Includes cell phone protection
There's a right way to swipe
Credit cards with rewards and 0% intro APR offers are excellent, but remember, they are a tool to help you get the most out of your spending. The Ascent motto to follow:
- Pay off your card in full each month.
- Choose a card whose rewards are a good fit for you.
- Don't spend more than you already would.
Follow this and you'll be making your money work overtime for you. Live richly, not risky.
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. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
Discover Financial Services is an advertising partner of The Ascent, a Motley Fool company. Wells Fargo is an advertising partner of The Ascent, a Motley Fool company. Citigroup is an advertising partner of The Ascent, a Motley Fool company. John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. JPMorgan Chase is an advertising partner of The Ascent, a Motley Fool company. The Motley Fool has positions in and recommends Amazon, JPMorgan Chase, PayPal, Target, Uber Technologies, and Visa. The Motley Fool recommends Discover Financial Services and recommends the following options: short March 2024 $67.50 calls on PayPal. The Motley Fool has a disclosure policy.