Contents

Wells Fargo Autograph^® Card Review

Last Updated on August 13, 2026

Offer Rating

4/ 5

By Our Content Team

The Wells Fargo Autograph^® Card gives cardholders flexible options with not just earning points, but redeeming them as well.

Editor

4.0

CompareCredit Score

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

on Wells Fargo's secure site

Welcome OfferEarn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
Rewards RateEarn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
Intro APR0% intro APR for 12 months from account opening on purchases, 18.49%, 24.49%, or 28.49% Variable APR thereafter
Annual Fee$0
Credit Score NeededExcellent, Good
Card Brand

Product Details

Select to apply online
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.

0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49%, or 28.49% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Select to apply online
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.

0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49%, or 28.49% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Top Rated For

Our Expert Review

Editorial Disclosure

Why We Like It

Editorial Disclosure

Offer Rating

4/ 5

By Our Content Team

Key Benefit

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value

Looking for a travel card that can be used for more than just a vacation? The Wells Fargo Autograph^® Card can seamlessly fit into anyone's wallet thanks to its numerous point opportunities. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases. Additionally, this card offers a strong welcome bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

We weren't kidding when we said this card has "numerous point opportunities"! The reward points are redeemable for travel, gift cards, statement credits, or even online stores when you checkout with PayPal. The benefits do not stop with points. Get up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

As a cherry on top, this card comes with no annual fee and 0% intro APR for 12 months from account opening on purchases (18.49%, 24.49%, or 28.49% Variable APR thereafter), effectively making it a great option for travelers or anyone looking to earn points on everyday purchases.

Pros & Cons

Pros

No cap on the 3X Points categories
Enjoy up to $600 of cell phone protection
Enjoy all these perks while paying no annual fee for card membership

Cons

No intro APR for balance transfers
There is an ongoing balance transfer fee

Pros Explained

No cap on the 3X Points categories: You can earn unlimited 3X Points in these categories, which could mean huge rewards if you spend a lot in them.
Enjoy up to $600 of cell phone protection: Cardholders can get up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Pay no annual fee: Most top travel credit cards have hefty annual fees that make them less attainable. That is not the case here with the Wells Fargo Autograph^® Card.

Cons Explained

No intro APR for balance transfers: Many cards that offer an Intro APR for purchases will also offer one for balance transfers, but seeing as this card is geared towards being a travel credit card, this is an understandable exclusion.
Ongoing balance transfer fee: This fee is 3% intro for 120 days from account opening, then up to 5%, min: $5. While we would not necessarily recommend using this card for balance transfers, it still has the capabilities to do so even though there is a fee.