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Wells Fargo Autograph℠ Card

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Rates & Fees
  • Our Rating 4.5/5 How our ratings work
  • APR19.74%, 24.74%, or 29.74% (Variable)
  • Annual Fee$0
  • 20,000 20,000Points More Info

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

If you’re looking for a rewarding credit card free of annual fees or foreign transaction fees, the Wells Fargo Autograph Card is a top choice to consider. The points you earn from the card can be used toward future travel, gift cards or other cash-back redemption options. Just note that Wells Fargo points don't go as far as other credit card points.

Strong Reward Rates With No Annual Fee

The Wells Fargo AutographSM Card (see rates & fees) offers an impressive 3x point rewards rate across six bonus categories: restaurants, travel, gas stations, transit, popular streaming services, and cell phone plans, easily ranking it as one of the most robust earning cards out there.


  • Wide array of category bonuses: Unlimited 3x points on restaurants, travel, gas stations, transit and commuting, popular streaming services and phone plans
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • No foreign transaction fees
  • No annual fee


  • Rewards are worth up to 1 cent each

Welcome Bonus

Applicants of the Wells Fargo AutographSM Card can earn 20,000 points (worth $200) after spending $1,000 or more on eligible purchases in the first three months of account opening. You’ll receive this welcome offer in addition to the 3x points you’d earn if your eligible purchases fall in any of the Wells Fargo AutographSM Card’s six bonus categories. 

Points earned on the Wells Fargo AutographSM Card can be redeemed through the Wells Fargo Rewards program. Through this portal, cardholders have access to a library of redemption options, such as travel, gift cards, purchases on your statement credit and more. 

Earning Rewards

With no annual fee to worry about, the Wells Fargo AutographSM Card ensures that you’re not paying an unnecessary premium for a reliable travel and everyday card.

As mentioned above, the primary selling point of the Wells Fargo AutographSM Card is its exceptional earning rate. There are only a few rewards cards that can rival the Wells Fargo AutographSM Card’s expansive 3X bonus categories, which include:

  • Restaurants: Dining in, take-out, catering, delivery and more
  • Travel: Airfare, car rentals, hotels, cruises and more
  • Gas Stations: Gas stations and electric vehicle charging stations
  • Transit: Subways, ride shares (such as Uber and Lyft), parking, tolls and more
  • Popular streaming services: Cable and other pay television, digital goods, books, movie, music and continuity/subscription services
  • Phone plans: Cell phone and landline providers

And on all other eligible purchases, you’ll still earn 1x point per dollar. 

The Wells Fargo AutographSM Card can easily become your go-to card as most American households spend a bulk of their budget on restaurants, gas and travel costs. Not to mention, you likely subscribe to a popular streaming service (or two) and pay your monthly cell phone bill, which can cost upwards of hundreds of dollars if you have a family plan. Simply put: these are all day-to-day expenses that you can earn an unlimited 3x points on.

Redeeming Rewards

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The Wells Fargo Rewards program is ideal for those who want simple rewards options with their credit card points. Unlike its competitors, like American Express Membership Rewards and Chase Ultimate Rewards, Wells Fargo Rewards does not offer any unique airline or hotel transfer partnerships, but it still offers decent value for other redemption options. 

Points Redemptions

You can redeem your Wells Fargo Rewards points through your Wells Fargo online® portal or by calling Wells Fargo customer service (1-877-517-1358). Alternatively, you can visit a Wells Fargo ATM and redeem cash back in $20 increments with your Wells Fargo AutographSM Card.

  • Apply your rewards as a statement credit
  • Redeem rewards for purchases, in the form of a statement credit, to cover eligible purchases you’ve already made on the card
  • Pay with your rewards to purchase items at checkout with participating merchants, such as PayPal
  • Get various gift cards across dozens of merchants
  • Purchase airline tickets, car rentals, hotel stays, and you can use a combination of rewards and your credit card to pay for your next trip 

Generally, your Wells Fargo Rewards points will be worth 1 cent apiece across these various rewards. These points offer flexibility to redeem for vacations, household items or to even reduce your credit card statement balance.

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Card Benefits

There are plenty of other noteworthy benefits that are unbeatable offerings for a no-annual-fee card, from cell phone insurance to travel and emergency services assistance.

Cellphone protection

In addition to earning 3x points by paying your monthly cellphone bill with the Wells Fargo AutographSM Card, you’ll receive complimentary cellphone protection that can help reimburse the costs for damage or theft of your device. 

Each approved claim has a maximum limit of $600, but that should cover a bulk (or potentially) all of the repair or replacement costs with your cell phone. A reasonable $25 deductible will apply, and your cardholder account is limited to up to two claims per 12-month period. 

Auto rental collision damage coverage

While we hope that you never find yourself in this situation, auto rental protection can cover and help reimburse costs for damages or theft, up to the $50,000 limit. If you’re renting a car, the Wells Fargo AutographSM Card provides secondary car rental insurance coverage that is supplemental to your primary coverage. To receive this benefit, you’ll need to have paid your rental car with this card. 

Travel and emergency services assistance

If you’re traveling abroad and are facing any medical, legal or travel emergency, you can contact the travel and emergency services assistance line (1-800-992-6029 for the US; 1-804-673-1675 for international) any time of the day. They can help provide referrals for assistance to local resources, although cardholders will be responsible for any services or goods they provide.  

Roadside dispatch 

Finally, the Wells Fargo AutographSM Card offers 24/7 on-demand roadside dispatch, that can help you with emergency roadside assistance, towing or locksmith services. Like the travel and emergency services assistance, the cardholder is responsible for any services or goods rendered, but this can be a useful resource in the event of an emergency. 

Bottom Line

If you’re looking for a rewarding credit card free of annual fees or foreign transaction fees, the Wells Fargo AutographSM Card is a top choice to consider. The points you earn from the card can be used toward future travel, gift cards or other cash-back redemption options. Best of all, it takes less than 10 minutes to fill out an application online. 

Bonus Category King

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Rates & Fees

Frequently Asked Questions (FAQs)

  • The Wells Fargo Autograph Card is a Visa Signature card, which will be accepted at virtually any retailer that accepts credit card payments. Additionally, the Visa Signature program offers additional unique benefits worth checking out for travelers such as a credit card concierge and access to the Visa Signature Luxury Hotel Collection.

  • Most cardholders will find it easiest to redeem their Wells Fargo Rewards points through Wells Fargo’s portal, where you can preview a handful of redemption options at your fingertips. Otherwise, you can call Wells Fargo customer service (1-877-517-1358) if you want a person-to-person contact in order to redeem your rewards. Finally, you can also redeem your rewards at an ATM in $20 increments. 

  • The Wells Fargo Autograph Card waives all foreign transaction fees, making this a terrific card to bring with you on your international trips. Since it’s a Visa card, you can be sure to pay with the Wells Fargo Autograph Card at millions of merchants worldwide--and avoid foreign transaction fees while you’re at it.


Marielle Lee

Marielle Lee is a digital nomad, working as a freelance writer in personal finance and travel rewards. Her first job was as a tour guide in France for several years, specializing in the country's great wine regions. After that, Marielle continued on to travel to more than 40 countries, all made possible by leveraging the 10-plus credit cards in her wallet.