Wells Fargo Just Launched a New $0 Annual Fee Rewards Card: Earn 3X Points and a Welcome Offer Worth $300

A photo to accompany a story about a new Wells Fargo credit card Photo by Hunter Newton
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Wells Fargo just launched a new rewards credit card. 

The new Wells Fargo Autograph℠ Card has no annual fee and earns 3X rewards on select categories in line with everyday expenses, including travel and transit, popular streaming services, and phone plans. Plus 1X rewards on other purchases. And if rising inflation has increased the cost of your commute or nights out, the card also earns 3X points at restaurants and gas stations.

The Autograph card is the latest new card releases from Wells Fargo, following the Wells Fargo Active Cash® Card (one of our favorite cash rewards credit cards) and the Wells Fargo Reflect® Card (one of the longest balance transfer offers available today), which were both announced in 2021.

Here’s what else you can expect from the Autograph card, and how it might fit into your own card portfolio: 

Good for Everyday Rewards Wells Fargo Autograph℠ Card
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Wells Fargo Autograph℠ Card
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Good for Everyday Rewards Wells Fargo Autograph℠ Card
  • Intro offer:
    30,000 Points
  • Annual fee:
  • Regular APR:
    18.74%, 23.74%, or 28.74% Variable APR
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases.

NextAdvisor’s Take

  • 3X rewards in everyday categories
  • No annual fee
  • Solid welcome offer
  • Visa Signature benefits
  • 0% APR cards may have longer intro offer
  • High APR
  • Best for people who spend a lot in bonus categories
The Bottom Line
The Wells Fargo Autograph Card can make a solid choice for anyone looking to score on everyday spending for no annual fee. It earns 3X points on popular bonus categories, from dining at restaurants to filling up at gas stations. Plus, you’ll get extra Visa Signature benefits. Just make sure your budget aligns with rewards categories before you sign up.

Additional Card Details

  • No annual fee
  • Bonus rewards categories include restaurants, travel, gas stations, transit, popular streaming services, and phone plans
  • 0% intro APR on purchases for 12 months from account opening (18.74%, 23.74%, or 28.74% variable APR thereafter)
  • Up to $600 in cell phone protection ($25 deductible) when you pay your cell phone bill with your card
  • Visa Signature benefits

Wells Fargo Autograph Overview and Benefits  

The Autograph card is a rewards credit card with no annual fee. Here’s an overview of the card and benefits included: 


You can earn unlimited 3X points per dollar on these categories: 

  • Restaurants
  • Travel
  • Gas stations
  • Transit
  • Popular streaming services
  • Phone plans 

You’ll get 1X points on other purchases with no spending caps. You can redeem your points for cash back, travel, gift cards, purchases, and statement credits through Wells Fargo Rewards. 

Welcome Bonus

If you spend at least $1,500 (an average of $500 per month) on purchases within the first three months of account opening, you can earn a limited time welcome offer of 30,000 bonus points. The offer expires 1/10/2023.

At a rate of 1 cent per point, the Autograph card’s welcome bonus is worth $300, which is a great offer compared to other no annual fee cards, as long as the spending requirement is within your budget.  

Introductory Period 

The card has a 0% intro APR introductory period on new purchases only for the first 12 months from account opening. After that, there’s a variable APR of 18.74%, 23.74%, or 28.74%. That’s not the best 0% APR offer available, but it is in line with other rewards cards that offer intro periods in additon to ongoing rewards.

Other Benefits

Aside from the Autograph card’s points rewards, you’ll get a few additional benefits that can add value — and stand out among no annual fee options. Wells Fargo offers cell phone protection in case of damage or theft when you pay your cell phone bill with your Autograph credit card (subject to a deductible) and phone plan spending is also included as a rewards category. 

The card is also a Visa Signature card, which comes with a few additional perks. You’ll get purchase and travel protections and access to concierge service and the Luxury Hotel collection.

Should You Consider the Wells Fargo Autograph Card? 

Editorial Independence

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

Whether or not the Autograph card is worth adding to your wallet depends largely on your spending habits. It earns 3X rewards — a solid rate among other no annual fee rewards cards and cash back cards — in several spending categories that can help you maximize both travel and at-home spending.

For example, if you travel a few times a year but not enough to justify a more premium travel card with an annual fee, the rewards you earn from booking with your card could add up to future savings — and you’ll benefit from travel protections. The card is also a good pick if you’re spending more toward your commute, since you’ll earn unlimited 3X points on gas.

The Autograph card’s rewards are good, but they’re not unique among many other rewards cards on the market. Plenty of our current picks for the best cash back cards and best rewards credit cards offer comparable rewards in common categories, and may be better suited toward your spending. Some of these cards offer more perks and a higher rewards rate compared to the Autograph card. Plus, if you already have a card with travel, gas, streaming, or dining rewards in your wallet, it might not make sense to double up on the same rewards categories.

For example, the Chase Freedom Unlimited® offers similar rewards for no annual fee — 5% back on travel booked through Chase, 3% on dining and drugstores, and 1.5% on everything else — but also offers access to Chase Ultimate Rewards. Or a card like Wells Fargo’s flat cash rewards option, the Wells Fargo Active Cash® Card, can give you 2% cash rewards on purchases, without having to worry about bonus categories at all. 

Before you choose any new card, consider your own spending habits and where you purchase most. And remember, to maximize any credit card’s value, practice good credit habits like paying off your bill in full and on time each month to avoid high interest debt and potentially hurting your credit score.