Wells Fargo Autograph℠ Card

Quick Snapshot

• Annual Fee: $0
• APR: 0% intro for 12 months, then 18.74%–28.74% variable
• Rewards: 3X points on 6 categories, 1X on everything else
• Bonus: 20,000 points ($200 value) after $1,000 spend in first 3 months
• Best For: Lifestyle spending, travel, dining, no foreign fees
• Credit Needed: Good to Excellent (670+)

Overview

The Wells Fargo Autograph℠ Card is a versatile rewards card offering 3X points across six popular spending categories including restaurants, travel, gas stations, transit, streaming services, and phone plans. With no annual fee, no foreign transaction fees, and cell phone protection, it's an excellent choice for everyday lifestyle rewards.

This card bridges the gap between simple cash back cards and premium travel cards, offering elevated rewards in categories that matter most to modern consumers—from your Netflix subscription to your Uber rides—all without the burden of an annual fee or foreign transaction fees.

APR Breakdown

• Purchase APR: 0% intro APR for 12 months from account opening, then 18.74%, 24.74%, or 28.74% variable APR
• Balance Transfer APR: 18.74%, 24.74%, or 28.74% variable APR (no intro rate)
• Cash Advance APR: 28.74% variable APR
• Penalty APR: None

Note: This card offers 0% intro APR on purchases only—not on balance transfers. After the intro period, APR can reach up to 28.74% depending on creditworthiness.

Benefits Overview

Travel Benefits

• No foreign transaction fees (save 3% on international purchases)
• Auto rental collision damage waiver (when you charge the rental to your card)
• Visa Signature 24/7 concierge service for travel planning and reservations
• Travel and emergency assistance services worldwide
• Emergency card replacement and cash disbursement while traveling
• Trip delay and cancellation coverage through Visa Signature

Everyday Benefits

• Cellular telephone protection (up to $600 per claim with $25 deductible)
• Zero Liability Protection against unauthorized transactions
• Roadside Dispatch (24/7 emergency roadside assistance)
• Credit Close-Up (complimentary FICO Score monitoring)
• Extended warranty protection on eligible purchases
• Purchase security and damage protection
• Contactless payments via tap-to-pay technology

Lifestyle Benefits

• Visa Signature perks including exclusive access to events and experiences
• Points transferable to select airline and hotel loyalty programs
• Flexible redemption options for travel, gift cards, statement credits, or merchandise
• My Wells Fargo Deals for personalized merchant offers
• Digital wallet compatibility (Apple Pay, Google Pay, Samsung Pay)
• 24/7 fraud monitoring and customer service

Rewards & Cash Back

• 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
• 1X point on all other purchases
• Unlimited earning with no caps on points in any category
• Flexible redemption options including statement credits, gift cards, travel bookings, or transfers to select travel loyalty programs
• Points never expire as long as your account is open
• No activation required—earn automatically in all 3X categories

3X Categories Breakdown:

• Restaurants: Including dining, bars, cafes, and food delivery services
• Travel: Airlines, hotels, car rentals, cruises, travel agencies
• Gas Stations: Fuel purchases at gas stations
• Transit: Public transportation, rideshare services, taxis, tolls, parking
• Streaming Services: Netflix, Spotify, Hulu, Disney+, and other popular platforms
• Phone Plans: Monthly cell phone service bills

Note: Points earn as 3 rewards points (1 base point plus 2 bonus points) per $1 spent in eligible categories. Points do not earn on cash advances, balance transfers, fees, or interest charges.

Welcome Bonus

Earn 20,000 bonus points ($200 cash redemption value) after you spend $1,000 in purchases in the first 3 months from account opening.

This generous welcome bonus requires just $1,000 in spending over 3 months—approximately $333 per month. For most cardholders, this is easily achievable through normal dining, gas, streaming, and phone bill payments alone, all of which earn 3X points.

Fees Summary

• Annual Fee: $0
• Foreign Transaction Fee: None ($0)
• Balance Transfer Fee: Either $5 or 5% of the amount transferred, whichever is greater
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Frequent diners who regularly eat out or order food delivery
• Commuters who spend significantly on gas, transit, or rideshare services
• Streaming enthusiasts with multiple subscription services (Netflix, Spotify, Hulu, etc.)
• International travelers who want to avoid foreign transaction fees
• Lifestyle spenders who want elevated rewards on everyday categories
• Points collectors interested in transferring to airline/hotel programs
• Those wanting cell phone protection without an annual fee
• Wells Fargo customers looking to expand their rewards portfolio

Not Good For

• Grocery shoppers looking for elevated rewards (only 1X on groceries)
• Balance transfer seekers (no intro 0% APR on transfers)
• Home improvement spenders (only 1X on these purchases)
• Those with limited credit history (requires Good to Excellent credit)
• Category maximizers who prefer 5X rotating categories
• Those who recently had this card (cannot receive bonus within 48 months)

Key Pros & Cons

Pros

• Excellent 3X earning rate across six diverse everyday categories
• No foreign transaction fees makes it ideal for international travel
• Strong welcome bonus worth $200 with reasonable $1,000 spend requirement
• 0% intro APR for 12 months on purchases helps finance large expenses
• Cell phone protection up to $600 per claim with $25 deductible
• No annual fee provides long-term value without ongoing costs
• Points transferable to select airline and hotel loyalty programs for enhanced value
• Visa Signature benefits including 24/7 concierge service
• Auto rental collision damage waiver included
• No caps on earning in any category

Cons

• No intro APR offer on balance transfers (only on purchases)
• Base 1X earning rate on non-bonus categories is lower than flat 2% cash back cards
• Cannot receive bonus if you've opened the same card within 48 months
• Variable APR can be high (up to 28.74%) after intro period
• Existing Wells Fargo cardholders cannot receive bonus when switching products
• Requires Good to Excellent credit (670+) for approval
• Limited to six 3X categories (no elevated rate on groceries, drugstores, etc.)
• Points worth slightly less than cash when redeemed as statement credit

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

If you spend $18,000 per year across typical categories:

First Year Total Value: $620
Ongoing Annual Value: $420

Value Enhancement with Transfer Partners:
If you transfer points to airline/hotel programs at a 1:1 ratio, you could potentially get 1.5–2 cents per point value, increasing your annual value to $630+ (excluding welcome bonus).

Should You Get This Card?

You Should Get It If…

• You spend heavily on dining, travel, gas, transit, streaming, or phone plans
• You travel internationally and want to avoid foreign transaction fees
• You're looking for a no-annual-fee card with travel-friendly benefits
• You want flexibility to transfer points to airline/hotel programs
• You're interested in cell phone protection without paying a premium
• You appreciate Visa Signature perks and concierge services
• You have good to excellent credit (670+) and spend in the 3X categories
• You want 0% APR for 12 months to finance purchases interest-free

You Should Skip It If…

• You primarily spend on groceries and home improvement (only 1X earning)
• You want a simple flat-rate cash back card (2% everywhere beats variable 1X–3X for some)
• You need a balance transfer card with 0% intro APR
• You prefer rotating 5X categories over fixed 3X categories
• You've had this card in the past 48 months (ineligible for welcome bonus)
• You have fair or building credit (this card requires good credit)
• You want to maximize grocery rewards specifically

Apply Now

Apply for Wells Fargo Autograph℠ Card

Information accurate as of December 2025. Terms and conditions apply. Please visit the issuer's website for the most current information.