Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content

Wells Fargo Autograph Card Review: Earn Up to 3x Rewards With No Annual Fee

Review Updated
Natasha Etzel
Lyle Daly
By: Natasha Etzel and Lyle Daly

Our Credit Cards Experts

Nathan Alderman
Check IconFact Checked Nathan Alderman
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 our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

The Wells Fargo Autograph℠ Card is a solid no annual fee rewards card with valuable benefits like cellphone protection and unlimited rewards potential. Cardholders can earn up to 3X points in many popular spending categories, including restaurants, transit and travel, and gas stations. This rewards card also has a hefty welcome offer. Read our full Wells Fargo Autograph℠ Card review to see if this is a good rewards card for you.

Award Icon 2024 Award Winner
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. 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, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. 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: Circle with letter I in it. 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 Circle with letter I in it. 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 Circle with letter I in it. 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 Circle with letter I in it. 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 Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. 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
    • 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.

Full Wells Fargo Autograph Card review

This credit card is a good fit for: Consumers who want a no annual fee card that earns unlimited rewards in multiple spending categories, a welcome offer, and valuable benefits like cellphone protection.

Features and benefits

This is a credit card that practically does it all, with a high rewards rate, lots of ways to use your points, and a 0% intro APR. With all its perks, it's ideal if you're going for a one-card wallet.

Maximize rewards with a welcome bonus and lots of 3x bonus categories

The Wells Fargo Autograph℠ Card was extremely popular as soon as it launched, and that's mainly for one reason: It has an amazing rewards program.

When you open this card, you can earn a welcome offer of 20,000 bonus points after spending $1,000 in the first 3 months. Those bonus points have a cash redemption value of $200, making this one of the most valuable welcome bonuses for a card with no annual fee.

You'll probably also have no trouble earning bonus rewards on your regular spending. This card earns an unlimited 3X points per $1 in the following categories:

  • Restaurants
  • Travel
  • Gas and EV charging stations
  • Transit
  • Popular streaming services
  • Phone plans

It's a great mix, especially since you'll be earning bonus points on travel and several everyday spending categories. Many credit cards only have a small number of bonus categories, but this card has six of them.

Transferable points: Great for saving money on travel

My favorite feature on this card is the reward redemption options. You can always get at least $0.01 per point by redeeming rewards for travel, gift cards, and toward previous purchases you've made.

In addition, you can transfer points to Wells Fargo's travel partners. After you've transferred points, you can use them to book travel through that pattern's loyalty program. Wells Fargo's lineup of partners currently includes:

  • Aer Lingus AerClub
  • Air France/KLM Flying Blue
  • Avianca LifeMiles
  • British Airways Executive Club
  • Iberia Plus
  • Choice Hotels

There aren't many no annual fee cards that have transferable points, so this is a perk you don't see often from similar cards. And it can help you save big. I've transferred rewards to Avianca LifeMiles, Flying Blue, and Iberia Plus before, turning my points into miles in those programs. Then, I've used those miles to book international airfare that would've otherwise cost thousands of dollars.

A 0% intro APR lets you pay off big purchases over time interest free

It's easier to pay large expenses over time, in monthly installments. But it's normally cheaper to pay in full upfront, because you won't get charged interest. With this Wells Fargo card, you get the best of both worlds.

This card has a 0% intro APR on purchases for the first 12 months from account opening. After that, the go-to 20.24%, 25.24%, or 29.99% Variable APR applies going forward. So if you have a $4,500 home repair that you can't pay right now, you could open this card and pay it off with 12 monthly payments of $375.

A quick word of caution: Only use this benefit if you really need it. Some people see a 0% intro APR as an excuse to spend more. You're still going into debt, even if you aren't getting charged interest during the intro period. It's better to avoid debt when you can, especially credit card debt.

Save on some of the most common credit card fees

This card has no annual fee, which is always important if you're trying to keep costs down. It also has no foreign transaction fee. You won't need to pay an extra 3% on purchases you make during international trips, like you would with a lot of cards.

With no foreign transaction fee and its other travel perks, this is one of the better travel credit cards. It also helps that this is a Visa® Signature card. Visa and Mastercard are the two most widely accepted payment networks. Their cards are more likely to be accepted outside the United States than American Express and Discover cards.

Complimentary insurance coverage for your cellphone and rental cars

The Wells Fargo Autograph℠ Card has a couple of useful extra protections:

  • Cellphone protection: Considering how expensive smartphones are to replace, it's always a good idea to have insurance for yours. If you pay your cellphone bill with this Wells Fargo card, it includes complimentary protection for damage, theft, and involuntary and accidental parting. The coverage limit is $600 per claim (with a $25 deductible) and two claims per 12-month period.
  • Auto rental collision damage waiver: It seems like every time you rent a car, you're pressured to pay extra for insurance. When you pay with this Wells Fargo card, you can safely skip that. Its rental car insurance covers damage and theft.

Drawbacks to know about

Since this is a well-rounded card, there aren't any serious issues. But there are a few perks it doesn't have that many of its competitors do.

The 0% intro APR isn't the longest and doesn't apply to balance transfers

While this card has a 0% intro APR, that's not its strong suit. It lasts for 12 months from account opening, which is about average. There are other credit cards with a 0% intro APR for 15 months, 18 months, and even as long as 21 months.

Whether this matters depends on how much you need to spend and how long it will take you to pay off. For example, if you're buying furniture that you expect to pay off in six to eight months, the Wells Fargo Autograph℠ Card will give you more than enough time. But if you need to borrow $10,000 or more and pay it off in years, not months, then you'll want the longest 0% intro APR you can find.

This card's 0% intro APR doesn't apply to balance transfers, either. Those have the go-to 20.24%, 25.24%, or 29.99% Variable APR from the beginning. If you're dealing with credit card debt, then you'll need a balance transfer card.

Related: The Ascent's Best Balance Transfer Credit Cards Hub

Missing travel and purchase protections that other cards offer

Some credit cards are loaded with complimentary protections. They may offer:

  • Purchase protection (covering damage or theft)
  • Extended warranty coverage
  • Return protection
  • Lost and delayed luggage reimbursement
  • Trip delay and cancellation insurance

With this Wells Fargo card, you get none of the above. It has cellphone protection and an auto rental collision damage waiver, to be fair. But that still leaves a lot of common situations where you're not protected.

For example, I always prefer to use credit cards with purchase protection for expensive items, like electronics. If my new iPad gets dropped and damaged, or stolen at a cafe, I know I can file a claim with my credit card. Even when I don't actually need to use this benefit, it gives me peace of mind. If those types of protections are important to you, check out more credit card reviews to find a better match.

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.

Read more: Wells Fargo Credit Card Application Rules: What You Need to Know

The Wells Fargo Autograph Card is right for you if:

The Wells Fargo Autograph℠ Card is a solid rewards card with great rewards earning potential and attractive benefits. This credit card could be a good fit for you if you're looking for a credit card with the following features:

  • 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 cellphone protection

If you're not looking for a card with these particular features, other rewards credit cards may better align with your needs.

Alternatives to consider

  • If you want to earn rewards at a flat rate: The Wells Fargo Active Cash® Card earns 2% cash rewards on purchases. If you make purchases in many categories, this credit card makes earning rewards straightforward.
  • If you want to earn rewards on U.S. supermarkets spending: The Blue Cash Everyday® Card from American Express has no annual fee (see rates and fees) and earns 3% at U.S. supermarkets, 3% at U.S. gas stations, 3% for online retail purchases from U.S. retailers, and 1% on other purchases. However, the 3% category rewards are capped at $6,000 in spending per year in each category (terms apply).

Read more: Best Cash Back Credit Cards

As of Apr. 16, 2024
Image for
Image for
Wells Fargo Active Cash® Card Blue Cash Everyday® Card from American Express
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. 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, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. 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 Rating Requirement: Circle with letter I in it. 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)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. 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)

Good/Excellent (670-850)

Welcome Offer: Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards

Welcome Offer: Circle with letter I in it. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$200

Rewards Program: Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

2% cash rewards

Rewards Program: Circle with letter I in it. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

1%-3% cash back

Intro APR: Circle with letter I in it. 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 15 months from account opening

Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers

Intro APR:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR:

20.24%, 25.24%, or 29.99% Variable APR

Regular APR:

19.24%-29.99% Variable

Annual Fee: Circle with letter I in it. N/A

$0

Annual Fee:

$0

Highlights:

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Highlights:

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.
Show More Arrow graphic to expand and collapse content Show Less Arrow graphic to expand and collapse content

FAQs

  • No, the Wells Fargo Autograph℠ Card has no annual fee.

  • No foreign transaction fees are charged when using the Wells Fargo Autograph℠ Card, making it a solid credit card option when traveling abroad and making purchases in foreign currency.

  • When using the Wells Fargo Autograph℠ Card, you'll earn three points per $1 on eligible purchases in the following categories: restaurant, travel and transit, gas stations, popular streaming services, and phone plans. You'll also earn 1 point per $1 on other eligible purchases made with your credit card.

Our Credit Cards Experts