Wells Fargo Autograph℠ Card

Quick Snapshot

• Annual Fee: $0
• APR: 20.24%-29.99% variable
• Rewards: 3x points on restaurants, travel, gas, transit, streaming, phone plans; 1x on everything else
• Bonus: 20,000 bonus points after $1,000 in purchases in first 3 months
• Best For: Active spenders who eat out, travel, and stream and want no-fee bonus earning
• Credit Needed: Good to Excellent (670+)

Overview

The Wells Fargo Autograph Card is a surprisingly generous no-annual-fee card that earns 3x points across six popular spending categories: restaurants, travel, gas stations, transit, streaming services, and phone plans. The breadth of 3x categories sets it apart from competitors that limit bonus earning to just one or two areas.

Points are earned through the Wells Fargo rewards program and are worth 1 cent each when redeemed for travel, gift cards, or cash back. The card includes a 20,000-point bonus after $1,000 in spending within 3 months, plus a 0% intro APR for 12 months on purchases. Cell phone protection is included when you pay your monthly phone bill with the card.

For a no-annual-fee card, the Autograph competes well against mid-tier travel cards that charge $95 per year. The six 3x categories cover a significant portion of most people's spending, and the card pairs nicely with the Active Cash for a comprehensive Wells Fargo rewards strategy. The main limitation is that points cannot be transferred to airline or hotel partners, capping their value at 1 cent each.

APR Breakdown

• Purchase APR: 20.24%-29.99% variable
• Balance Transfer APR: 20.24%-29.99% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: 29.99% variable

Note: 0% intro APR for 12 months on purchases. No intro APR on balance transfers. Variable APR of 20.24%-29.99% after intro period.

Benefits Overview

Broad 3x Categories

• 3x points at restaurants
• 3x points on travel (flights, hotels, car rentals)
• 3x points at gas stations
• 3x points on transit (rideshare, public transport, parking)
• 3x points on streaming services
• 3x points on phone plans
• 1x point on all other purchases

Introductory Offers

• 20,000 bonus points after $1,000 in purchases in 3 months
• 0% intro APR for 12 months on purchases
• No annual fee

Card Protections

• Cell phone protection up to $600 per claim ($25 deductible)
• Visa Signature benefits
• Zero liability for unauthorized purchases
• Access to My Wells Fargo Deals

Rewards & Points

• 3x points at restaurants
• 3x points on travel, gas, transit, streaming, phone plans
• 1x point on all other purchases

Points are redeemable for travel, cash back, gift cards, or merchandise at 1 cent per point. Points can be combined with points from other Wells Fargo rewards cards for larger redemptions.

Welcome Bonus

Earn 20,000 bonus points (worth $200) after spending $1,000 in purchases within the first 3 months of account opening. The spending requirement is accessible at about $333 per month.

Fees Summary

• Annual Fee: $0
• Balance Transfer Fee: 5% (min $5)
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Foreign Transaction Fee: $0
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Dining enthusiasts who eat out frequently and want 3x on every restaurant bill
• Commuters who spend on gas, transit, and rideshare regularly
• Travel seekers on a budget who want no-fee travel rewards
• Streamers who subscribe to multiple streaming and phone services

Not Good For

• Grocery shoppers since grocery stores are not a 3x category
• Transfer partner enthusiasts since points cannot be transferred to airlines or hotels
• Heavy spenders seeking premium perks like lounge access or travel credits

Key Pros & Cons

Pros

• 3x points across six popular spending categories with no annual fee
• No foreign transaction fees for international travel
• 20,000-point bonus worth $200 with $1,000 spend requirement
• 0% intro APR for 12 months on purchases
• Cell phone protection up to $600 per claim
• Covers a wide range of daily spending at 3x
• Pairs well with the Active Cash for a comprehensive rewards strategy
• Visa Signature benefits included
• No caps on 3x points earning
• My Wells Fargo Deals for additional retailer savings

Cons

• Points worth only 1 cent each with no transfer partners
• 1x on non-bonus categories including groceries is below average
• Sign-up bonus is modest at 20,000 points
• No 0% intro APR on balance transfers
• Grocery stores not included in 3x categories
• No travel protections like trip insurance or lost luggage coverage
• Variable APR after intro can be as high as 29.99%
• Points cannot be transferred to airline or hotel loyalty programs

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

First-year value: $635 ($200 bonus + $435 rewards). This comfortably beats many cards with $95 annual fees.

Should You Get This Card?

You Should Get It If...

• You dine out frequently and want automatic 3x on restaurants
• You commute by car or rideshare and want 3x on gas and transit
• You want a no-annual-fee travel card with no foreign transaction fees
• You subscribe to multiple streaming services and phone plans
• You want to pair this with the Active Cash for a two-card Wells Fargo setup
• You prefer earning on broad categories without tracking rotations

You Should Skip It If...

• You spend heavily on groceries and want bonus rewards there
• You want to transfer points to airline or hotel loyalty programs
• You prefer a single flat-rate card over managing bonus categories
• You need a balance transfer card with 0% intro APR
• You want premium travel benefits like lounge access

Apply Now

Apply for Wells Fargo Autograph℠ Card

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.