Wells Fargo Autograph Card overview
The Wells Fargo Autograph® Card (see charges and costs) affords bonus factors in widespread spending classes, easy redemptions at a flat charge and a number of other invaluable advantages that are not widespread on playing cards with no annual payment. Card ranking*: ⭐⭐⭐
*Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Wells Fargo Autograph card is a well-liked choice for many who desire a bank card with no annual payment, journey and buying protections and a top quality incomes construction. Extra 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 payment means there isn’t any value for protecting 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 value, amongst different perks. We advocate a credit score rating of 670 or larger for this card.
This is a better have a look at the Wells Fargo Autograph Card.
Wells Fargo Autograph professionals and cons
Bonus factors on numerous on a regular basis purchases
As much as $600 in mobile phone safety while you pay your month-to-month invoice with the cardboard ($25 deductible)
No annual payment
Fewer switch companions than different issuers
Wells Fargo Autograph card welcome supply
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 line with TPG’s July 2025 valuation, Wells Fargo factors are price 1.6 cents per level, making this supply price $320 when redeemed for journey.
It is price noting that almost all Wells Fargo bank card functions have the next phrases:
You might not qualify for an extra Wells Fargo-branded bank card you probably 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 for the reason that final time you opened a card with them. Take into account that Wells Fargo could think about different elements, like what number of complete credit score accounts you’ve got opened just lately, when contemplating your software.
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TPG bank cards editor Olivia Mittak was denied for a Wells Fargo card for having too many new accounts up to now 24 months, so maintain that stat in thoughts as nicely when deciding when to use.
Associated: The final word information to bank card software restrictions
Wells Fargo Autograph card advantages
Since it is a Visa Signature card, you will 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 by 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 might help you with journey bookings, restaurant suggestions and reservations or reserving tickets to an occasion.
The Autograph Card additionally affords a number of protections on purchases made together with your card. Advantages embody a secondary auto rental collision injury waiver on leases while you pay for the complete transaction together with your card, 24/7 roadside dispatch, journey and emergency companies help and free entry to your FICO credit score rating.
You will additionally obtain as much as $600 of cellphone safety towards injury or theft while you pay your month-to-month invoice with the Autograph Card. Nevertheless, there’s a $25 deductible per declare and a restrict of two claims in a 12-month interval. Notice that this safety doesn’t cowl misplaced or lacking cellphones.
Whilst you will not get lounge entry or assertion credit with this card, it is a stable 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 will earn on the following charges:
3 factors per greenback spent on eating (consists of takeout, catering and meals supply companies)3 factors per greenback spent on journey (airfare, accommodations, automotive leases, cruises and extra)3 factors per greenback spent at gasoline stations and electrical car charging stations,3 factors per greenback spent on transit, eligible streaming companies and telephone plans1 level per greenback spent on different purchases
On condition that, based on TPG’s July 2025 valuation, Wells Fargo factors are price 1.6 cents every, you will get a 4.8% return in your spending in these bonus classes.
It is uncommon to see telephone plans as a bonus class on a private card. Usually, that class pops up on enterprise playing cards.
Associated: The perfect rewards bank cards for every bonus class
Redeeming factors with the Wells Fargo Autograph card
You may 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 reward playing cards (in $25 increments), or to ebook journey, similar to flights, rental automobiles or lodge stays.
You can even 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 must guess what your factors might be price while you use them. Utilizing these redemption choices means you will at all times get a worth of 1 cent per level.
On the adverse facet, these aren’t the very best redemption choices, since you will get extra worth out of your factors by profiting from Wells Fargo’s switch companions.
Associated: Wells Fargo Rewards program: Methods to earn, redeem and switch factors
Transferring factors with the Wells Fargo Autograph card
With the Wells Fargo Autograph, you’ll get pleasure from entry to switch companions to maximise the worth of your factors. Wells Fargo has the next switch companions:
Whereas this checklist is not practically so long as different credit score issuers’, it is nonetheless a wide selection. Wells Fargo will doubtless add further companions sooner or later, so maintain a detailed eye on this checklist.
Associated: Bank card switch companions: Information to transferring factors and miles to airways and accommodations
Which playing cards compete with the Wells Fargo Autograph card?
When contemplating playing cards that compete with the Wells Fargo Autograph, two sorts instantly come to thoughts: playing cards that earn transferable rewards and bank cards with comparable incomes buildings.
For added choices, try our full checklist of the very best 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 finest for many who desire a no-annual-fee card with good advantages like cellphone safety and credit score rating entry. This card grants entry to a top quality number of switch companions, making it an awesome match for journey learners and fans alike.
Backside line
We hardly ever see a card with out an annual payment that provides a number of protections and robust incomes classes.
These in search of a card with no annual payment and entry to switch companions could benefit from the Wells Fargo Autograph. For those who’re in search of a card that provides extra switch companions, nonetheless, going with one other issuer, like Chase or Capital One, makes extra sense.
Apply right here: Wells Fargo Autograph
