The Wells Fargo Autograph℠ Card is a no-annual-fee rewards credit card designed for individuals who want to earn generous points on everyday purchases.
With an unlimited 3X rewards rate on key spending categories like restaurants, travel, gas, streaming, and transit, this card stands out as a valuable option for those seeking flexibility, savings, and convenience.
Beyond its rewards structure, the Autograph℠ Card is travel-friendly, with no foreign transaction fees, making it a great companion for international travelers.
Cardholders can redeem their rewards in multiple ways, including cash back, travel, gift cards, and statement credits, ensuring that the earned points remain versatile and useful.
About Wells Fargo
Wells Fargo is one of the largest and most reputable financial institutions in the United States, with a history dating back to 1852.
The company has built a strong reputation in banking, credit cards, lending, and wealth management, providing innovative financial solutions and a robust digital banking experience.
Wells Fargo stands out for:
- Strong Customer Service – Nationwide presence with thousands of branches and ATMs.
- Advanced Digital Banking – User-friendly mobile app and online banking features.
- Security and Protection – Industry-leading fraud prevention tools.
- Diverse Financial Offerings – Banking, loans, credit cards, and investment solutions.
The Autograph℠ Card is part of Wells Fargo’s growing portfolio of competitive rewards credit cards, offering valuable perks for everyday spenders and travelers.
Who Should Get the Wells Fargo Autograph℠ Card?
The Wells Fargo Autograph℠ Card is an excellent choice for various types of consumers, including:
Everyday Spenders
If you frequently spend on dining, gas, travel, transit, phone plans, and streaming services, this card allows you to maximize your rewards with unlimited 3X points on these categories.
Frequent Travelers
With no foreign transaction fees, this card is ideal for international travelers who want to earn rewards while avoiding unnecessary fees on purchases made abroad.
Budget-Conscious Consumers
With no annual fee, a strong sign-up bonus, and a 0% intro APR for 12 months, this card is perfect for those who want high-value benefits without additional costs.
Mobile Phone Users
The $600 in cell phone protection (when paying your bill with the card) is a standout feature, making this card a smart choice for those who want extra device security.
First-Time Rewards Credit Card Users
For individuals looking for an easy-to-use rewards credit card without complicated redemption systems, this card provides straightforward and flexible earning potential.
Key Benefits of the Wells Fargo Autograph Card
1. No Annual Fee
Unlike many rewards credit cards, the Wells Fargo Autograph℠ Card does not charge an annual fee, making it a cost-effective option for earning points.
2. Strong Welcome Bonus
- Earn 20,000 bonus points ($200 value) after spending $1,000 in the first 3 months.
- This is a competitive sign-up offer, considering the card has no annual fee.
3. 3X Points on Everyday Spending
- Earn unlimited 3X points on:
- Restaurants
- Travel & Transit
- Gas Stations
- Popular Streaming Services
- Phone Plans
- Earn 1X points on all other purchases.
- These categories cover essential, frequent expenses, making it easy to accumulate rewards.
4. No Foreign Transaction Fees
- Many no-annual-fee cards charge foreign transaction fees (around 3%)—but not the Autograph℠ Card.
- This makes it ideal for international purchases and travel.
5. Cell Phone Protection
- Get up to $600 in coverage for damage or theft when you pay your monthly phone bill with the card.
- Subject to a $25 deductible.
6. 0% Intro APR on Purchases
- Enjoy 0% APR for the first 12 months on new purchases.
- A great feature for those planning to finance a large purchase.
7. Flexible Redemption Options
- Points never expire, and can be redeemed for:
- Cash back (statement credit or bank deposit)
- Travel bookings (flights, hotels, car rentals)
- Gift cards
- Merchandise
- No complicated airline transfer partners—just straightforward redemption.
8. Enhanced Security & Protection Features
- Zero Liability Protection: You are not responsible for unauthorized transactions.
- Real-time Fraud Monitoring: Alerts for suspicious activity.
- Visa Signature® Benefits:
- Travel and emergency assistance
- Roadside dispatch services
- Special event access and discounts (concerts, dining, sports)
Additional Benefits That Enhance the Card’s Value
Beyond rewards and security, the Wells Fargo Autograph℠ Card provides additional perks:
Auto Rental Collision Damage Waiver – Use your card to pay for a rental car and get coverage against theft and damages.
Travel & Emergency Assistance Services – 24/7 access to emergency travel assistance, including medical and legal referrals.
Concierge Service – Visa Signature® provides access to exclusive event tickets, dining reservations, and more.
Extended Warranty Protection – Get additional coverage on eligible purchases beyond the manufacturer’s warranty.
Fees and charges
Late Payment: Up to $40;
● Introductory APR: 0% for 12 billing cycles;
● Standard APR: 19.24% - 29.24%;
● Balance Transfer Fee: intro fee - $5 or 3% per transfer for 120 days. Then up to 5% (min. $5);
● Cash Advance: either $10 or 5% of the amount of each advance.
Expert review
The Wells Fargo Autograph℠ Card is an excellent no-annual-fee credit card, offering unlimited 3X points on key spending categories like restaurants, travel, gas, streaming, and transit.
It stands out for its generous rewards structure, strong welcome bonus, and no foreign transaction fees, making it ideal for everyday use and travel.
Additionally, it provides $600 in cell phone protection, Visa Signature® benefits, and flexible redemption options, including cash back and travel.
However, it lacks premium travel perks like lounge access or airline transfer partners. Overall, it’s a versatile, high-value rewards card.
You will remain on this site
+Positive points
- No Annual Fee: Enjoy all the benefits without any yearly costs.
- 3X Points on Key Categories: Earn triple points on dining, travel, gas, streaming, and transit purchases.
- Generous Welcome Bonus: New cardholders can earn a substantial bonus after meeting spending requirements.
- No Foreign Transaction Fees: Ideal for international travelers who want to save on extra charges.
- Cell Phone Protection: Receive up to $600 in coverage against damage or theft when paying your phone bill with the card
- Negative points
- No Premium Travel Benefits: Lacks perks like airport lounge access or airline transfer partners.
- Limited Redemption Options: While points can be used for travel and cash back, they don’t transfer to airline or hotel loyalty programs.
- High APR for Carried Balances: Interest rates can be steep if you don’t pay off the balance in full each month.
