Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Wells Fargo Autograph℠ Card

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Wells Fargo Autograph℠ Card Review

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months!

Wells Fargo Autograph℠ Card Review

Wells Fargo Autograph℠ Card

Learn More

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months!

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.


The Wells Fargo Autograph℠ Card stands out as a versatile financial tool tailored for the modern spender. With no annual fee, this card appeals to a wide range of consumers, particularly those who value rewards on their everyday purchases. It distinguishes itself by offering unlimited 3X points on categories that resonate with contemporary lifestyles, including dining, travel, gas stations, and popular streaming services.

This reward rate is not just competitive; it’s tailored to maximize returns on the spending habits that are most relevant to today’s consumers. Whether you’re dining out, planning your next getaway, fueling up, or enjoying your favorite series at home, the Wells Fargo Autograph℠ Card ensures that your spending works harder for you. This introduction sets the stage for a deeper dive into the card’s features, showcasing its potential to become a go-to choice in your wallet.

Welcome Bonus

The Wells Fargo Autograph℠ Card greets new cardholders with an attractive welcome bonus, setting a positive tone for the relationship right from the start. Upon signing up, members have the opportunity to earn 30,000 bonus points after spending $1,500 on purchases within the first three months. This bonus is particularly appealing because it translates into a significant reward that can be redeemed in various ways, offering an excellent value proposition for newcomers.

The spending threshold of $1,500 within three months is strategically set to be achievable for most people, making it accessible for everyday use rather than requiring large or unusual expenditures. This aspect ensures that a broad range of consumers can take advantage of the offer without altering their normal spending habits. The 30,000 points can serve as a substantial boost to your rewards balance, offering a head start in experiencing the card’s benefits, whether it’s for booking travel, redeeming gift cards, or even getting cash back as a statement credit.

This welcome offer is competitive when compared to other cards in the same category, providing a clear incentive for potential cardholders to choose the Wells Fargo Autograph℠ Card over others. It’s an excellent example of Wells Fargo’s commitment to providing value and satisfaction to its customers, encouraging new users to engage with the card’s features and rewards program right away.

Earning Rewards

The Wells Fargo Autograph℠ Card excels in its rewards program, offering an uncomplicated yet powerful way for cardholders to accumulate points on everyday purchases. Central to its appeal is the ability to earn unlimited 3X points on a wide array of spending categories that are integral to daily life. These categories include dining, encompassing everything from fast food to fine dining; travel, which covers a broad spectrum from airfare and hotels to local transit and car rentals; gas stations, ensuring that even your daily commute or road trips are more rewarding; and popular streaming services, allowing you to earn as you enjoy your favorite entertainment at home.

This diverse range of categories means that the card is not just rewarding for specific types of spenders but is versatile enough to fit into the varied lifestyles of many consumers. The inclusion of streaming services as a bonus category is particularly noteworthy, reflecting an understanding of modern entertainment habits and offering value in areas where traditional rewards cards might not.

The earning potential is further enhanced by the fact that there are no caps on the 3X points categories. Whether you’re a frequent traveler, a dining enthusiast, or someone who enjoys streaming, you can keep earning triple points without worrying about hitting a limit. This unlimited earning capability ensures that the Wells Fargo Autograph℠ Card remains a strong contender in your wallet for all relevant purchases.

Moreover, for expenses outside of these bonus categories, the card still offers a baseline of 1 point per dollar spent, ensuring that every purchase, no matter how small or large, contributes to your rewards balance. This broad earning structure is designed to reward you for your everyday spending, making it easier and faster to accumulate points that can be turned into valuable rewards.

The simplicity and generosity of the rewards program make the Wells Fargo Autograph℠ Card a standout option for those looking to get the most out of their credit card spending. With no annual fee to worry about, cardholders can focus on maximizing their rewards and enjoying the benefits that come with accumulating points on their everyday purchases.

Redeeming Rewards

The Wells Fargo Autograph℠ Card not only makes it easy to earn points on everyday purchases but also offers a versatile and valuable redemption process. Cardholders have a wide array of options for using their accumulated points, ensuring that the rewards program caters to various preferences and needs.

One of the most appealing aspects of the redemption process is the flexibility it offers. Points can be redeemed for travel, which includes flights, hotel stays, car rentals, and even unique experiences, ensuring that your adventures are even more rewarding. The travel redemption option is particularly valuable because it often provides a high points-to-dollar conversion rate, maximizing the value of your rewards.

For those who prefer a more straightforward benefit, points can also be redeemed for cash back as a statement credit, gift cards from a wide range of retailers, or merchandise. This flexibility allows cardholders to choose how they want to use their rewards based on their current needs or preferences. Whether you’re saving up for a big trip, looking to offset some everyday expenses, or treating yourself to something special, the Wells Fargo Autograph℠ Card provides the options to make it happen.

Moreover, the card features an easy-to-use online portal where cardholders can manage their points, view their rewards balance, and choose their redemption options. This user-friendly interface ensures that taking advantage of your rewards is a hassle-free process, adding to the overall positive experience of being a Wells Fargo Autograph℠ Card member.

The value of points can vary depending on the redemption option chosen, so it’s beneficial for cardholders to consider their options and select the one that offers the best value for their specific situation. Nevertheless, the variety and flexibility of the redemption process stand out as significant advantages of the Wells Fargo Autograph℠ Card, making it a compelling choice for those who value both the earning and spending aspects of a rewards program.

Perks and Benefits

The Wells Fargo Autograph℠ Card goes beyond just earning and redeeming points; it offers a suite of additional perks and benefits that enhance its value proposition and cater to the diverse needs of its cardholders. These benefits are designed not only to reward spending but also to provide convenience, protection, and peace of mind in various aspects of life.

Cell Phone Protection: In an era where smartphones are central to our daily lives, the cell phone protection offered by the Wells Fargo Autograph℠ Card is a standout feature. By paying your monthly cell phone bill with the card, you gain access to protection against damage or theft. This benefit can lead to significant savings and less stress, should anything happen to your phone.

No Foreign Transaction Fees: For those who travel abroad, the absence of foreign transaction fees is a significant perk. This means you can use the card on international trips without incurring extra charges on purchases made outside the U.S., making it more economical to travel and shop internationally.

0% APR for 12 Months on Purchases: New cardholders can enjoy 0% APR on purchases for the first 12 months, a feature that can be particularly helpful for those planning to make large purchases. This introductory offer allows for interest-free financing over a year, providing flexibility and potential savings on interest charges.

Exclusive Access to Events and Experiences: The Wells Fargo Autograph℠ Card also offers cardholders exclusive access to various events and experiences, ranging from culinary tours to entertainment and sporting events. These unique opportunities can enhance your leisure time and provide memorable experiences that go beyond the monetary value of reward points.

Travel and Emergency Assistance Services: When on the road, having access to travel and emergency assistance services can be invaluable. The card provides support in case of emergencies, offering peace of mind to travelers who might face unexpected situations.

Auto Rental Collision Damage Waiver: When renting a car, the auto rental collision damage waiver can save cardholders from having to purchase additional insurance through the rental company. This benefit covers damage due to collision or theft, provided the rental fee is charged to the card.

These perks and benefits underscore the Wells Fargo Autograph℠ Card’s commitment to providing a comprehensive and rewarding experience for its cardholders. Beyond the points and rewards, these features address real-world needs and preferences, adding layers of value that make the card a compelling choice for a wide range of consumers.

Pros and Cons

The Wells Fargo Autograph℠ Card, like any financial product, comes with its own set of advantages and drawbacks. Understanding these can help potential cardholders make an informed decision based on their specific needs and spending habits.


  • No Annual Fee: One of the most significant advantages is the absence of an annual fee, making it a cost-effective choice for those who prefer not to pay for the privilege of earning rewards.
  • Generous Rewards on Everyday Spending: The card offers unlimited 3X points on dining, travel, gas stations, and streaming services, categories that align well with everyday spending, ensuring cardholders get valuable returns on their most common purchases.
  • Flexible Redemption Options: Points can be redeemed in various ways, including travel, cash back, gift cards, and more, providing cardholders with the freedom to choose how they utilize their rewards.
  • Valuable Welcome Bonus: The welcome offer of 30,000 bonus points after a relatively modest spending requirement provides a strong incentive for new cardholders.
  • Comprehensive Perks and Benefits: From cell phone protection to no foreign transaction fees and 0% introductory APR on purchases, the card is packed with benefits that enhance its overall value.


  • Credit Requirements: The card may require a good to excellent credit score for approval, limiting accessibility for those with less-than-stellar credit histories.
  • Limited Higher Rewards Categories: While the 3X points categories are broad, they may not cover all areas of spending, leaving some purchases to earn only 1 point per dollar.
  • Foreign Transaction Fees: Despite its travel-friendly perks, some users may prefer cards that offer broader travel benefits or rewards on a wider range of travel-related expenses.

In conclusion, the Wells Fargo Autograph℠ Card is an excellent choice for individuals looking for a no-annual-fee card that rewards everyday spending across a variety of categories. Its pros outweigh the cons for most potential cardholders, particularly those who value simplicity, rewards on common spending categories, and a strong suite of benefits.

Comparison to Other Cards

When considering a new credit card, it’s essential to weigh how it stacks up against the competition. The Wells Fargo Autograph℠ Card offers a compelling mix of rewards, perks, and benefits, but how does it compare to other cards in the market?

Rewards Structure: The unlimited 3X points on dining, travel, gas stations, and streaming services make the Wells Fargo Autograph℠ Card highly competitive, especially for those who spend heavily in these categories. Compared to other cards that might offer higher reward rates in specific categories but with caps or rotating categories, the simplicity and breadth of the Autograph card’s rewards program stand out for its ease and potential value.

Annual Fee: With no annual fee, the Wells Fargo Autograph℠ Card immediately positions itself as a strong contender against cards that charge a yearly fee for membership. This feature makes it accessible to a broader audience, ensuring that cardholders can enjoy the benefits and rewards without worrying about offsetting a fee.

Welcome Bonus: The welcome bonus of 30,000 points is competitive, especially considering the relatively low spending requirement to achieve it. While some cards may offer higher bonuses, they often come with higher spending thresholds, making the Autograph card’s bonus more attainable for the average consumer.

Perks and Benefits: The suite of benefits, including cell phone protection, no foreign transaction fees, and 0% APR on purchases for the first 12 months, adds substantial value. While some premium cards may offer a wider array of benefits, they also come with higher annual fees. The Autograph card finds a sweet spot by offering valuable perks without the cost of a premium card.

In comparison to similar no-annual-fee cards, the Wells Fargo Autograph℠ Card holds its ground with a strong rewards program and a comprehensive set of benefits. It’s particularly well-suited for individuals who value simplicity and broad earning potential without the commitment of an annual fee.


The Wells Fargo Autograph℠ Card emerges as a standout option for those seeking a rewarding, no-annual-fee credit card. Its generous rewards on dining, travel, gas stations, and streaming services make it a perfect fit for everyday spenders looking to maximize returns on their most common purchases.

Coupled with a substantial welcome bonus, flexible redemption options, and a suite of valuable perks, this card offers a compelling package for a wide audience. Whether you’re a frequent traveler, a food enthusiast, or someone who values entertainment, the Wells Fargo Autograph℠ Card is designed to enrich your spending experience. It’s an excellent choice for anyone aiming to get the most out of their credit card without incurring an annual fee.

Frequently Asked Questions

What is the credit score needed to qualify for a credit card?
The required credit score can vary widely among credit card issuers and specific cards. Generally, a score of 670 or higher is considered good and may increase your chances of approval for a wide range of cards.

How do credit card rewards work?
Credit card rewards are incentives provided to cardholders for making purchases with their card. These rewards can come in the form of points, miles, or cash back and can be redeemed for various benefits like travel, merchandise, or statement credits.

Can I use my credit card internationally?
Yes, most credit cards can be used internationally, but it’s important to check if your card charges foreign transaction fees. Cards without these fees are more cost-effective for international purchases.

What should I do if my credit card is lost or stolen?
Immediately report the loss or theft to your credit card issuer. They will typically cancel your current card, remove any fraudulent charges, and issue a new card to protect your account.

How can I maximize my credit card rewards?
To maximize rewards, choose a card that aligns with your spending habits, use the card for everyday purchases, pay attention to bonus categories, and take advantage of any available sign-up bonuses. Also, ensure you pay off your balance in full each month to avoid interest charges that could negate the value of your rewards.

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