Wells Fargo Autograph Card Review: This New Card from Wells Fargo Earns 3X Rewards on Everyday Spending

We want to help you make more informed decisions. Some links on this page — clearly marked — may take you to a partner website and may result in us earning a referral commission. For more information, see How We Make Money.
Wells Fargo Autograph℠ Card
Learn More externa link icon
Wells Fargo Autograph℠ Card
Editor’s Score: (N/A)
Apply Now externa link icon At Wells Fargo’s secure site. See Rates & Fees.
Wells Fargo Autograph℠ Card
Editor’s Score: (N/A)
  • Intro offer:
    30,000 Points
  • Annual fee:
    $0
  • Regular APR:
    17.24%, 22.24%, or 27.24% 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. Plus earn 1X points on other purchases. Earn 1X points on other purchases.

NextAdvisor’s Take

Pros
  • 3X rewards in everyday categories
  • No annual fee
  • Solid welcome offer
  • Visa Signature benefits
Cons
  • 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 new purchases for 12 months from account opening (17.24%, 22.24%, or 27.24% 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 Card Full Review

Card Type

The Wells Fargo Autograph Card is a rewards credit card. You can earn points in select categories, then redeem them for travel, cash back, online purchases, and more. 

Annual Fee

The Wells Fargo Autograph card has a $0 annual fee. 

Welcome Offer

The Wells Fargo Autograph offers a welcome offer of 30,000 bonus points if you spend $1,500 within the first three months of account opening. At a redemption rate of 1 cent per point, that’s worth about $300.

Introductory Offer

Upon approval, there’s a 0 % intro APR for 12 months from account opening on new purchases and a variable APR of 17.24%, 22.24%, or 27.24% after that. There is no introductory period for balance transfers. 

Rewards

Wells Fargo Autograph earns unlimited 3X points across a few popular everyday categories including:

  • Restaurants
  • Travel and transit
  • Gas stations
  • Popular streaming services
  • Phone plans 

You’ll earn 1X points on other purchases. 

You can use Wells Fargo Rewards to redeem your points for travel, statement credits toward purchases you already made, gift cards, and new purchases with select merchants.

Fees

This card has $0 annual fee and no foreign currency conversion fees. It also charges no penalty APR. There is up to a 5% balance transfer fee (minimum $5), though it’s not a great choice for balance transfers, since there’s no 0% intro offer. 

Other Benefits

The Wells Fargo Autograph doesn’t offer many added benefits compared to some other rewards credit cards. It does come with cell phone coverage if you pay your bill monthly with your card. You’ll pay a $25 deductible but can get up to $600 per claim, with a maximum of two claims per year, in cases of damage or theft (not if you lose your phone. This benefit works well with the card’s 3X points rewards on your phone bill, making this card a good option for anyone looking to make the most of monthly phone charges.  

It also comes with Visa Signature benefits, including auto rental collision, lost luggage reimbursement, and trip cancellation and interruption insurance to maximize the card’s value.  

Benefits of the Wells Fargo Autograph 

The Wells Fargo Autograph is a good choice if your spending habits align with the rewards categories — travel, restaurants, gas stations, streaming services, and your cell phone bill. No annual fee and unlimited earnings in rewards categories means that you’ll start getting value from your card as soon as you use it. 

The Autograph card’s welcome bonus is another way to maximize the card’s value after approval. You’ll earn 30,000 bonus points after spending $1,500 within the first three months, equaling $300 if one point is worth 1 cent. To earn the welcome offer, it’s best to time your application with a big purchase you’re planning to avoid overspending. 

Because the Wells Fargo Autograph Card earns points, you may have more rewards redemption options when you’re ready to redeem your rewards using Wells Fargo Rewards, including applying your points toward a purchase, gift cards, statement credit, travel, or donations to select charities or causes. 

Drawbacks of Wells Fargo Autograph 

One of the biggest downsides of the Wells Fargo Autograph Card is that you’ll only earn the 3x rate in certain categories. If most of your spending isn’t concentrated in these select categories, this card may not be a good addition to your wallet.  

The limited introductory period can also be a drawback. Other no annual fee rewards and cash back cards offer 0% APR periods on both new purchases and balance transfers. But the Autograph card’s intro period is limited to new purchases only.

How to Use Wells Fargo Autograph 

You can start maximizing the Wells Fargo Autograph Card by earning the welcome bonus. You’ll need to spend $1,500 within the first three months, or an average $500 per month. 

If you have a large, upcoming purchase to make, you can put it toward your welcome bonus spending while also taking advantage of 0% intro APR on new purchases for the first 12 months from account opening (17.24%, 22.24%, or 27.24% variable APR after that). These two introductory benefits may be helpful if you plan to make a big purchase, like a kitchen renovation, an upcoming vacation, or new furniture. 

Just remember, overspending or charging more than you can afford can lead to high interest credit card debt. Practice good credit card habits, like paying your bill in full each month and only spending what you can pay off to maintain good credit and avoid interest. 

Long-term, use the card each time you make a purchase in a bonus category to earn 3X points. That includes dining at restaurants, travel and transit, gas stations, popular streaming services, and phone plans. Earn 1x points on other purchases.

To really maximize every purchase, you may also consider pairing the Autograph card with one that lets you earn more on spending outside the card’s bonus categories. For example, you could pair the Autograph card with the Wells Fargo Active Cash® Card and get a flat 2% cash rewards on purchases you don’t make with your Autograph card. 

Don’t forget to also take advantage of this card’s Visa Signature perks, including purchase and travel protection, concierge service, extended warranty protection, access to the Luxury Hotel collection, and more. You can find the complete list of Visa Signature benefits you’re eligible for in your card agreement. 

Wells Fargo Autograph Compared to Other Cards

Learn More externa link icon
Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card

Editor’s Score: (N/A)
Learn More externa link icon
Chase Freedom Flex℠

Chase Freedom Flex℠

Editor’s Score: (4.7/5)
  • Intro offer:
    $200
  • Annual fee:
    $0
  • Regular APR:
    16.49% – 25.24% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site
Learn More externa link icon
Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

Editor’s Score: (4.6/5)
  • Intro offer:
    $200 cash rewards
  • Annual fee:
    $0
  • Regular APR:
    17.24%, 22.24%, or 27.24% Variable APR
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Wells Fargo’s secure site See Rates & Fees.

Is the Wells Fargo Autograph Right for You?

Editorial Independence

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

With 3x points across categories like restaurants, gas stations, travel and transit, and streaming, plus ear 1X points on other purchases, this card can make a great addition to your everyday spending. Plus, when you’re traveling, this card could be a good fit for you because you’ll earn 3x points on travel and transit. It’s valuable for most consumers because of its broad rewards categories that let you earn rewards on trips and everyday essentials. Plus, when you’re traveling, you’ll have trip protections and perks that other travel credit cards include, but with an annual fee. 

You can maximize the Wells Fargo Autograph’s value even more by pairing it with a flat-rate cash back card to earn a minimum 2% cash rewards on other purchases, like the Citi Double Cash Card or Wells Fargo Active Cash Card.

But if you already have a card with these spending categories, or if you don’t spend much in these bonus categories already, this card may not be a good fit for you. You may also consider a different card if you’re looking for more premium travel benefits to enhance your trips if you’re a frequent traveler. 

Before choosing this card, or any other, be sure to weigh all of your options to get the best rewards and perks that you’ll benefit from to maximize the card’s value in your wallet. 

Frequently Asked Questions

Is the Wells Fargo Autograph Card a good credit card?

The Wells Fargo Autograph Card is a solid pick if the card’s rewards categories align with your top spending categories because you can earn unlimited 3X points on select purchases. The card is also a Visa Signature card and charges no annual fee.

What’s the difference between the Wells Fargo Autograph Card and the Wells Fargo Active Cash Card?

The Wells Fargo Autograph Card offers 3X points on restaurants, travel and transit, gas stations, popular streaming services, and phone plans, and 1X points on other purchases. On the other hand, the Wells Fargo Active Cash Card offers an unlimited 2% cash rewards on purchases.

How do I redeem my points earned from the Wells Fargo Autograph Card?

You can use Wells Fargo Rewards to redeem your points for travel, gift cards, cash back, purchases with select merchants, or a statement credit.

What credit score is required for the Wells Fargo Autograph Card?

You should have at least a “good” credit score of 670 or higher.

Does the Wells Fargo Autograph Card have foreign transaction fees?

No, the card does not have foreign currency conversion fees.