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Wells Fargo Autograph® Card Review

Last Updated on May 13, 2026

Offer Rating

4.0/5

By Our Content Team

EDITOR

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

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Wells Fargo Autograph Card card art Rates & Fees

Wells Fargo Autograph® Card

4.0 BCC Score
Apply Now

on Wells Fargo's secure site

Welcome Offer
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
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
Intro APR
0% intro APR for 12 months from account opening on purchases and N/A, then 18.49%, 24.49%, or 28.49% Variable APR
Annual Fee
$0
Credit Score Needed
Excellent, Good
Card Brand
Visa
  • 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.

Review additional details for Wells Fargo Autograph Card

More Info

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

OUR EXPERT REVIEW

Why We Like It

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.

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