Wells Fargo Autograph Card overview
The Wells Fargo Autograph® Card (see charges and charges) provides bonus factors in fashionable spending classes, simple redemptions at a flat price and several other priceless advantages that are not frequent on playing cards with no annual price. Card ranking*: ⭐⭐⭐
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Wells Fargo Autograph card is a well-liked possibility for many who need a bank card with no annual price, journey and procuring protections and a high quality incomes construction. Further eyes have been on the cardboard ever since Wells Fargo launched switch companions, permitting cardholders to get most worth from their factors.
The truth that the Autograph Card has no annual price means there is not any price for retaining it in your pockets, so you possibly can get pleasure from advantages like cellphone safety and complimentary entry to your credit score rating for no added price, amongst different perks. We advocate a credit score rating of 670 or larger for this card.
Here is a better have a look at the Wells Fargo Autograph Card.
Wells Fargo Autograph execs and cons
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Wells Fargo Autograph card welcome provide
Earn 20,000 bonus factors after spending $1,000 or extra in purchases within the first three months from account opening with the Wells Fargo Autograph.
In keeping with TPG’s July 2025 valuation, Wells Fargo factors are price 1.6 cents per level, making this provide price $320 when redeemed for journey.
It is price noting that the majority Wells Fargo bank card purposes have the next phrases:
You might not qualify for an extra Wells Fargo-branded bank card if in case you have opened a Wells Fargo-branded bank card within the final 6 months.
Earlier than making use of for a Wells Fargo card, make sure that it has been no less than six months because the final time you opened a card with them. Remember that Wells Fargo might contemplate different components, like what number of whole credit score accounts you’ve got opened lately, when contemplating your utility.
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TPG bank cards editor Olivia Mittak was denied for a Wells Fargo card for having too many new accounts previously 24 months, so hold that stat in thoughts as nicely when deciding when to use.
Associated: The last word information to bank card utility restrictions
Wells Fargo Autograph card advantages
Since it is a Visa Signature card, you may get pleasure from two built-in advantages with the Wells Fargo Autograph.
The Visa Signature Luxurious Resort Assortment gives elitelike advantages on lodge bookings made via its program, together with room upgrades on arrival (when obtainable), a $25 meals and beverage credit score on the property, VIP visitor standing and complimentary breakfast for 2 every day.
The Visa Signature Concierge Service may also help you with journey bookings, restaurant suggestions and reservations or reserving tickets to an occasion.
The Autograph Card additionally provides a number of protections on purchases made along with your card. Advantages embody a secondary auto rental collision harm waiver on leases whenever you pay for the complete transaction along with your card, 24/7 roadside dispatch, journey and emergency providers help and free entry to your FICO credit score rating.
You will additionally obtain as much as $600 of cellphone safety in opposition to harm or theft whenever you pay your month-to-month invoice with the Autograph Card. Nonetheless, there’s a $25 deductible per declare and a restrict of two claims in a 12-month interval. Word that this safety doesn’t cowl misplaced or lacking cellphones.
When you will not get lounge entry or assertion credit with this card, it is a strong vary of advantages for a no-annual-fee card.
Associated: Evaluating Visa Signature and World Elite Mastercard advantages
Incomes factors with the Wells Fargo Autograph card
With the Wells Fargo Autograph, you may earn on the following charges:
- 3 factors per greenback spent on eating (contains takeout, catering and meals supply providers)
- 3 factors per greenback spent on journey (airfare, resorts, automobile leases, cruises and extra)
- 3 factors per greenback spent at fuel stations and electrical car charging stations,
- 3 factors per greenback spent on transit, eligible streaming providers and cellphone plans
- 1 level per greenback spent on different purchases
Provided that, based on TPG’s July 2025 valuation, Wells Fargo factors are price 1.6 cents every, you may get a 4.8% return in your spending in these bonus classes.
It is uncommon to see cellphone plans as a bonus class on a private card. Usually, that class pops up on enterprise playing cards.
Associated: The very best rewards bank cards for every bonus class
Redeeming factors with the Wells Fargo Autograph card
You might have a number of choices for redeeming your factors at wellsfargo.com/rewards. You may redeem them at a worth of 1 cent apiece as a press release credit score, for present playing cards (in $25 increments), or to e book journey, resembling flights, rental vehicles or lodge stays.
You may as well redeem factors as a credit score to a qualifying Wells Fargo bank card, checking account or mortgage. Plus, you possibly can pay with factors at taking part retailers, together with PayPal.
There are positives and negatives to those redemption choices.
On the plus facet, you by no means should guess what your factors shall be price whenever you use them. Utilizing these redemption choices means you may at all times get a worth of 1 cent per level.
On the detrimental facet, these aren’t the perfect redemption choices, since you will get extra worth out of your factors by making the most of Wells Fargo’s switch companions.
Associated: Wells Fargo Rewards program: Learn how to earn, redeem and switch factors
Transferring factors with the Wells Fargo Autograph card
With the Wells Fargo Autograph, you can get pleasure from entry to switch companions to maximise the worth of your factors. Wells Fargo has the next switch companions:
Whereas this record is not almost so long as different credit score issuers’, it is nonetheless a wide selection. Wells Fargo will possible add extra companions sooner or later, so hold a detailed eye on this record.
Associated: Bank card switch companions: Information to transferring factors and miles to airways and resorts
Which playing cards compete with the Wells Fargo Autograph card?
When contemplating playing cards that compete with the Wells Fargo Autograph, two varieties instantly come to thoughts: playing cards that earn transferable rewards and bank cards with related incomes buildings.
For extra choices, take a look at our full record of the greatest journey playing cards.
Learn extra: Chase Sapphire Most popular vs. Capital One Enterprise Rewards
Is the Wells Fargo Autograph card price it?
The Wells Fargo Autograph is greatest for many who need a no-annual-fee card with good advantages like cellphone safety and credit score rating entry. This card grants entry to a high quality number of switch companions, making it a terrific match for journey newcomers and fanatics alike.
Backside line
We hardly ever see a card with out an annual price that gives a number of protections and powerful incomes classes.
These searching for a card with no annual price and entry to switch companions might benefit from the Wells Fargo Autograph. In the event you’re searching for a card that gives extra switch companions, nevertheless, going with one other issuer, like Chase or Capital One, makes extra sense.
Apply right here: Wells Fargo Autograph
