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Introduction to the Wells Fargo AutographSM Card The Wells Fargo AutographSM Card is one of the best credit card options if you're looking for a no-annual-fee card with a solid welcome bonus — especially if you spend a lot in its 3x bonus categories. The no-annual-fee Wells Fargo AutographSM Card earns 3x points without limits on restaurants, gas stations, travel, phone plans, transit, and popular streaming services. Plus, there's a good welcome bonus for new cardholders: 20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening.
Earn unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1x points on other purchases. $0 0% intro APR on purchases for 12 months from account opening 20.
24%, 25.24%, or 29.99% variable Earn 20,000 bonus points Good to Excellent Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Generous welcome bonus for a no-annual-fee card Check mark icon A check mark. It indicates a confirmation of your intended interaction.
Great earning rates in useful categories, including dining, travel, and gas stations Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful benefits including cell phone protection and Visa Signature concierge con icon Two crossed lines that form an 'X'.
Minimum spending requirement to earn bonus is slightly higher than similar no-annual-fee cards con icon Two crossed lines that form an 'X'. No airline or hotel transfer partners The Wells Fargo AutographSM Card is one of the best credit card options if you're looking for a no-annual-fee card with a solid welcome bonus — especially if you spend a lot in its 3x bonus categories. 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. Wells Fargo Autograph Card Overview The Wells Fargo AutographSM Card offers various benefits including cellphone protection and car rental insurance.
There's also a 0% intro APR on purchases for 12 months from account opening (then a 20.24%, 25.24%, or 29.
99% variable APR), which is helpful if you have big expenses coming up you need to pay for over time. Depending on your spending habits, other no-annual-fee cards could be a better fit for you. Be sure to assess your typical expenses before you commit to this card — if you don't spend a lot in the bonus categories, you'll be stuck earning just 1 point per dollar on your other purchases.
If that's the case, a card like the Wells Fargo Active Cash® Card (2% cash rewards on purchases) or Chase Freedom Unlimited® (at least 1.5% back on all spending) could earn you more rewards on your spending. Be sure to check out our guide to the best cash back credit cards and best 2% cash back credit cards for all the top options.
Wells Fargo Autograph Card Rewards The Wells Fargo AutographSM Card comes with a welcome bonus offer of 20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening. This is a good bonus for a no-annual-fee card, and the relatively low minimum spending requirement makes it easy to earn. The Wells Fargo AutographSM Card earns 3 points per dollar with no spending caps in the following categories: Restaurants (eating places and restaurants, drinking places, fast food restaurants, caterers) Travel (airlines, hotels, motels, timeshares, car rentals, cruise lines, travel agencies, discount travel sites, campgrounds) Gas (gas stations, automated fuel dispensers, and electric vehicle charging stations) Transit (passenger railways, taxis, limousines, ferries, toll bridges and highways, parking lots, and garages) Popular streaming services (cable and other pay television, digital goods, books, movies, music, and continuity/subscription services) Phone plans (landline and cell phone providers) All other purchases earn 1 point per dollar, so the Wells Fargo AutographSM Card isn't a good card for non-bonus category spending.
Of note here is the popular streaming services category, which includes cable and other types of pay television. In addition, the streaming services that qualify (listed in full here ) currently include: Apple Arcade Apple Fitness+ Apple Music Apple News+ Apple TV+ Disney+ ESPN+ Pandora Plus Pandora Premium Peacock Prime Video Sling TV Spotify Premium YouTube TV Cardholders have a wide variety of ways to redeem Wells Fargo rewards . As of 2024, Wells Fargo has six airline and hotel transfer partners for additional reward redemption value.
Cardholders also have the option to transfer points to another Wells Fargo Rewards account they own, share them with another Wells Fargo customer, or add them to an existing rewards pool. Wells Fargo Autograph Rewards are worth 1 cent apiece when redeemed through Wells Fargo, and you can cash them in for: Purchases you've already made on your account (in the form of a statement credit) A credit to a qualifying Wells Fargo checking account, credit card, or mortgage (applied to the principal balance) Gift cards Flights, hotels, or car rentals through Wells Fargo Rewards Pay with points at participating merchants, such as PayPal Note that cash redemptions online or by phone are available in $25 increments only; if you choose to make a redemption via a withdrawal from a Wells Fargo ATM, it's in $20 increments. Wells Fargo Autograph Card Benefits and Features Despite having a $0 annual fee, the Wells Fargo AutographSM Card offers a substantial set of benefits that can save some cardholders quite a bit of money.
If you have big expenses approaching, the Wells Fargo AutographSM Card can help you save on interest if you need to spread out payments over time. New cardholders receive an intro APR of 0% intro APR on purchases for 12 months from account opening, followed by a 20.24%, 25.
24%, or 29.99% variable APR. That's not the longest zero-interest credit card 0% APR offer available today, but it's still a decent deal.
Just be sure you have the means and a plan to pay off your balance before the intro period expires, otherwise, you may be on the hook for high interest charges. Only a handful of no-annual-fee cards offer cellphone protection , but the Wells Fargo AutographSM Card is one of them. When you use the card to pay your monthly wireless bill, you'll receive cell phone coverage for damage or theft up to a maximum of $600 per claim (with a $25 deductible).
There's a maximum of two claims per 12-month period, and coverage is secondary to other insurance you may have. Keep in mind, also, that lost phones are not covered. You can read about all the exclusions and limitations here .
When you use the Wells Fargo AutographSM Card to pay for your car rental and decline the rental agency's collision loss/damage insurance, you can be covered for damage or theft on eligible rentals. In the U.S.
, this coverage is secondary to any personal auto insurance you may have; otherwise, it's primary rental car insurance regardless of your other coverage. Wells Fargo AutographSM Card members can call a 24-hour toll-free number to speak to a benefits administrator when they experience an emergency away from home. The benefits administrator can help send messages to your immediate family on your behalf, refer you to local English-speaking medical professionals, arrange shipment of lost luggage, and more.
The assistance is free, but you'll be responsible for any costs incurred such as paying for medical services. If you run into trouble while driving, you can call the 24/7 dispatch network to arrange services like standard towing, tire changing, lockout service, and fuel delivery. There is a cost for each service, currently set at $69.
95. If you need help finding and booking travel itineraries, dinner reservations, event tickets, and more, you can call the Visa Signature® Concierge hotline for assistance. You'll be responsible for the costs associated with anything you book.
As a Visa Signature card, the Wells Fargo AutographSM Card grants you access to the Visa Signature Luxury Hotel Collection, a group of hotels where you'll be eligible for a best available rate guarantee, room upgrades when available, complimentary breakfast for two, and more. You must book through the Visa Signature Luxury Hotel Collection website to be eligible for these benefits. If you lose your Wells Fargo AutographSM Card, you can get an emergency cash advance and a card replacement within one to three days after contacting Wells Fargo.
Just remember that cash advance and interest fees will apply to the cash advance. Wells Fargo Autograph Card Annual Fee and Other Costs The Wells Fargo AutographSM Card doesn't charge an annual fee and doesn't add foreign transaction fees , so it's a good card to use if you're traveling abroad. As with most other cards, there are fees for cash advances, balance transfers, and late payments.
You'll want to look elsewhere for a balance transfer credit card , either with another Wells Fargo credit card such as the Wells Fargo Reflect® Card, or an option from another issuer. How the Wells Fargo Autograph Card Compares The Wells Fargo Active Cash® Card is another very popular Wells Fargo credit card. So how does it compare to the Wells Fargo AutographSM Card? Looking solely at each card's welcome bonus value, they stack up similarly.
The Wells Fargo Active Cash® Card offers a $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening, and the Wells Fargo AutographSM Card comes with 20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening. The main difference between the Wells Fargo Active Cash® Card and Wells Fargo AutographSM Card is their earning rates. If you don't want to remember bonus categories and prefer simplicity, the Wells Fargo Active Cash® Card is the better choice, because it earns 2% cash rewards on purchases with no limits.
However, if you spend a lot in the Wells Fargo AutographSM Card's 3x bonus categories of restaurants, travel, gas stations, transit, popular streaming services, and phone plans, you could end up earning more rewards overall. Your spending habits are really the main factor in deciding which of these cards is best for you. These cards' benefits are roughly similar, with one major difference: Their different intro APR offers.
With the Wells Fargo Active Cash® Card, you'll get an intro APR that applies to purchases and balance transfers (0% intro APR on purchases and qualifying balance transfers for 15 months from account opening, then a 20.24%, 25.24%, or 29.
99% variable APR). That's an improvement over the Wells Fargo AutographSM Card's 0% intro APR on purchases for 12 months from account opening (followed by a 20.24%, 25.
24%, or 29.99% variable APR). Read our Wells Fargo Active Cash card review .
The Wells Fargo Autograph JourneySM Card is the newest iteration of this popular travel rewards card. Despite the $95 annual fee, the Wells Fargo Autograph JourneySM Card offers significantly more perks for frequent travelers than the Wells Fargo AutographSM Card. For starters, the Autograph JourneySM Card comes with a $50 annual statement credit toward airfare with a $50 minimum airline purchase, which goes a long way toward offsetting the card's annual fee for anyone who flies once or more per year.
You can have both cards, so you don't need to cancel your Wells Fargo AutographSM Card to open a Wells Fargo Autograph JourneySM Card or vice versa. Both cards offer the ability to combine points between accounts, and Wells Fargo Rewards can also be transferred to select airline and hotel partners. The Autograph JourneySM Card also earns 3x on restaurants purchases, but earns 5x on hotels and 4x on airlines where the Wells Fargo AutographSM Card only earns 3x on all travel.
Outside of flights and hotels, the Autograph JourneySM Card also earns just 3x on all other travel, and 1x on all other purchases. Read our Wells Fargo Autograph Journey card review . We'd be remiss to not mention one of the most versatile no-annual-fee credit cards around.
If you'd like to join the Chase Ultimate Rewards ecosystem with some of the most flexible travel rewards available, the Chase Freedom Unlimited® is a great product to consider. This card earns a minimum of 1.5% (in the form of Chase Ultimate Rewards points) on every dollar spent and first-year cardholders earn double on the first $20,000 they spend that year, for a total of at least 3% cash back.
Travel purchased through Chase TravelSM earns 5% cash back (so 6.5% in Year 1), while dining and drugstore purchases earn 3% back per dollar spent (4.5% back in the first year).
Your rewards can be redeemed as cash back, or transferred to several Chase travel rewards credit cards including the Chase Sapphire Preferred® Card , Chase Sapphire Reserve® , and Ink Business Preferred® Credit Card . When you transfer Ultimate Rewards points between these accounts, your rewards can be transferred to Chase's airline and hotel partners for significantly higher value. Read our Chase Freedom Unlimited review .
Wells Fargo Autograph Card Frequently Asked Questions The Wells Fargo AutographSM Card could definitely be worth it if you're looking for a credit card that earns cash rewards with no annual fee. It earns 3 points per dollar on a wide variety of common purchases: restaurants, travel, gas, transit, popular streaming services, and phone plans. While rewards are earned as points, each point is equal to 1 cent and you can't transfer them to travel partners to get more value.
The Wells Fargo AutographSM Card requires a credit score in the good to excellent range to be considered for approval, which translates to a FICO score of at least 670. Yes, the Wells Fargo AutographSM Card has a metal core that's coated in plastic. No, the Wells Fargo AutographSM Card does not add foreign transaction fees, so you won't get charged extra for international purchases.
Earn unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1x points on other purchases. $0 0% intro APR on purchases for 12 months from account opening 20.
24%, 25.24%, or 29.99% variable Earn 20,000 bonus points Good to Excellent Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Generous welcome bonus for a no-annual-fee card Check mark icon A check mark. It indicates a confirmation of your intended interaction.
Great earning rates in useful categories, including dining, travel, and gas stations Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful benefits including cell phone protection and Visa Signature concierge con icon Two crossed lines that form an 'X'.
Minimum spending requirement to earn bonus is slightly higher than similar no-annual-fee cards con icon Two crossed lines that form an 'X'. No airline or hotel transfer partners The Wells Fargo AutographSM Card is one of the best credit card options if you're looking for a no-annual-fee card with a solid welcome bonus — especially if you spend a lot in its 3x bonus categories. 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. Why You Should Trust Us: How We Reviewed the Wells Fargo Autograph Card When the Business Insider credit cards team reviewed the Wells Fargo AutographSM Card, we assessed a number of factors in comparison to similar no-annual-fee credit cards: Ease of use — Are the cards' rewards straightforward and simple to redeem, or is there a complicated earning structure? Are there various options for using rewards? Rewards earning potential — Does the card earn at a competitive rate compared to other cards of the same type? Are there generous, useful bonus categories, and are any of them capped at a spending limit? Card features — Most no-annual-fee credit cards are light on benefits.
Does the card offer perks that you wouldn't expect, like cell phone protection, travel insurance, or statement credits? Annual fee — If the card has an annual fee, is it justified? Do the card's earning potential and other perks make paying a fee worth it? To read more about our methodology, check out our guide to how we rate credit cards ..
