Wells Fargo Autograph Card: Pros and Cons, Benefits, Rates and More

Since 2021, Wells Fargo has offered three different types of credit cards. The Wells Fargo Autograph Card is the bank's newest credit card for regular customers. This card offers a generous rewards program and doesn't charge an annual fee, making it ideal for dining out, gas stations, public transportation, vacations, and more.


Learn more about the Wells Fargo Autograph credit card’s rewards, perks, and fees below. Discover also how you can apply for a Wells Fargo Autograph card.

  • About the Wells Fargo Autograph Card
  • What Are the Rewards Categories Wells Fargo Autograph Card?
  • What Are the Perks of the Wells Fargo Autograph Card?
  • What Are the Fees of a Wells Fargo Autograph Card?
  • Who Can Apply for a Wells Fargo Autograph Card?
  • What Are the Other Pros of the Wells Fargo Autograph Card?

About the Wells Fargo Autograph Card

If you want good rewards from your travel credit card but hate paying annual fees, consider signing up for the Wells Fargo Autograph credit card. The card has no annual fee and is mainly marketed as a travel credit card because you get three points for every dollar you spend on travel.


Its other categories of bonus rewards are also handy for everyday spending. You can earn 3 points for every dollar spent at gas stations, restaurants, public transportation, streaming services, and phone plans.

This makes this card a good choice for a primary, or even front-of-wallet, credit card, as well as a "set it and forget it" card for phone and streaming payments. You can get as many rewards as possible, unlike some competing cards that limit bonus rewards.


Is There a Welcome Offer for Wells Fargo Autograph Card?

The Wells Fargo AutographSM Card is currently offering a sign-up bonus of 30,000 points to new cardholders for a limited time. This incentive has a cash redemption value of $300.

This promotion is open to new cards, and they are eligible to receive it if they purchase at least $1,500 within the first three months of starting their account.

What Are the Rewards Categories Wells Fargo Autograph Card?

The rewards categories for the Wells Fargo Autograph card are valuable and appealing to many people. Even when you're not traveling, you can still get 3 points for every dollar you spend in many different ways.

There are restaurants, bus stops, and gas stations among them. Most people pay for popular phone plans and streaming services so that they can get something for it.

There are many ways to define travel and transit, such as by airline, hotel/motel, timeshare, vehicle/auto rental, cruise lines, travel agencies, discount travel websites, campgrounds, passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages.

Caterers are included in the restaurant category. Retail offers add to their appeal as a place to shop for everyday needs. My Wells Fargo Deals is a merchant-funded platform that lets cardholders get cash back in the form of a statement credit when they shop, eat out, or do something else.

How Can You Redeem Rewards for Your Wells Fargo Autograph Card?

You need at least 100 Rewards Points or $1 in cash rewards in your rewards account before you can redeem them. Depending on the reward, rewards can be redeemed automatically or whenever you choose.

Automatically redeeming points is only possible for $25 in cash rewards or 2,500 points. There are several ways to redeem your rewards for your Wells Fargo Autograph card.

  • Through PayPal
  • Through an eligible redemption account
  • By getting a paper check in the mail

With a Wells Fargo debit or ATM card, you can redeem directly to an eligible Wells Fargo account or Wells Fargo ATM, but only in increments of $20 in cash rewards or 2,000 points.

Perks of the Wells Fargo Autograph Card

The Wells Fargo Autograph card is a good travel credit card because it doesn't charge fees for transactions made outside of the US. This should be standard for all travel credit cards. Plus, it's a Visa, which is accepted worldwide.

People sometimes need to pay more attention to whether or not a card's bonus rewards are unlimited. The 3x rewards scheme with the Wells Fargo Autograph Card have no limit. This makes it even better for people who spend a lot of money and would hit the bonus rewards cap with other cards, leaving them with only 1 point per dollar spent.

For example, the Chase Freedom FlexSM is a cash-back card with no annual fee that can also be used as a travel card. (If you book travel through Chase Ultimate Rewards, you can get 5% back.)

Even though the card is great in many ways, the 5% rotating bonus categories stop giving cash back after you spend $1,500 per quarter. After that, you only get 1% cashback.

Other Perks of the Card

A bonus rewards card plus a decent flat-rate card can improve your benefits. The Wells Fargo Autograph Card features bonus categories and travel bonuses, and the Wells Fargo Active Cash Card has 2% cash back and a decent sign-up incentive.

Using the Wells Fargo Autograph Card at restaurants and gas stations earns 3 points per dollar, while the Wells Fargo Active Cash® Card earns 2 points per dollar.

Fees of a Wells Fargo Autograph Card

Before you apply for the Wells Fargo Autograph credit card, you should consider its interest rate, annual fee, and perks and bonuses. Check out the fees and charges of the Wells Fargo Autograph card below.

  • Annual Fee - $0
  • Introductory APR - 0.00% for 12 months from the date of account opening
  • Annual Percentage Rate (APR) for Purchases - 18.74%, 23.74%, or 28.74%, based on your creditworthiness
  • APR for Cash Advances and Overdraft Protection Advances - 29.74%
  • Balance Transfer Fee - Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
  • Cash Advance Fee - Either $10 or 5% of the amount of each advance, whichever is greater
  • Foreign Currency Conversion - None
  • Late Payment Fee - up to $40

Wells Fargo Autograph has a short introductory APR term. Other no-annual-fee rewards and cash-back cards provide 0% APR on purchases and balance transfers. The Autograph card's introductory period only applies to certain purchases.

Who Can Apply for a Wells Fargo Card?

If you want to apply for a credit card from Wells Fargo, you'll need to ensure that your credit score is between the minimum and maximum ranges specified for that particular card. You need to have a credit score that is at least "good” or 670+.

The bank will evaluate the applicant's ability to pay and keep up with card payments. This means you'll need to show proof of income to Wells Fargo. It is also recommended that you provide documents to prove your age, address, and citizenship.

The Application Process

Wells Fargo made it simple for interested customers to apply for a Wells Fargo Autograph by allowing them to do so online through the bank's official website. To find out more about the product's features, terms, and conditions, click "Apply Now."

You will need to complete the application form on the site by providing the necessary information, including whether you are an old or new Wells Fargo customer, personal information such as complete name, birthday, Social Security Number / Tax Identification Number, and citizenship.

Contact information such as a complete address, email address, and mobile number, and financial information including housing status, monthly mortgage or rent payment, and employment status may also be required. Make sure you’ve prepared the supporting documents for your financial information in case Wells Fargo tells you to submit them.

Pros of the Wells Fargo Autograph Card

If your phone gets broken or stolen, you can get up to $600 back (up to $1,200 in 12 months) to pay for repairs or a new one. You must always pay your monthly cell phone bill with the Wells Fargo Autograph Card to get this benefit.

If you rent a car and pay for it in full with your Wells Fargo Autograph Card and give the rental agency a letter of coverage, you can be covered for up to $50,000 if the car is damaged in an accident or stolen. In the US, collision coverage is not as important as in other countries.

Travel and Emergency Assistance Services are available 24 hours a day, 365 days a year, to help in an emergency while away from home. These services include medical and legal referrals, emergency ticket replacement, emergency transportation help, lost luggage finder services, and more.

How Can You Contact Wells Fargo?

If you have concerns regarding your Wells Fargo Autograph credit card application, you may pay the bank a visit to 5,000+ branches across the country. However, the bank is currently headquartered at 420 Montgomery Street, San Francisco, CA 94104.

When you want your concerns to be addressed over the phone, call Wells Fargo at (042) 373 7127.


If you're searching for a no-annual-fee cash-back card with a generous welcome bonus, the Wells Fargo Autograph Card is a great option. It is especially useful if you make significant purchases inside the card's 3x bonus areas: dining, travel, gas, transit, popular streaming services, and phone plans.

Disclaimer: There are risks when applying for and using Wells Fargo's products. Consult Wells Fargo Autograph’s Terms and Conditions page before agreeing to anything.

Spanish version: Tarjeta Autograph de Wells Fargo: Pros y contras, beneficios, tasas y más