Wells Fargo Autograph Card overview
The Wells Fargo Autograph® Card (see charges and charges) gives bonus factors in well-liked spending classes, simple redemptions at a flat fee and a number of other precious advantages that are not frequent on playing cards with no annual price. Card score*: ⭐⭐⭐
*Card score 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 possibility for individuals who need a bank card with no annual price, journey and procuring protections and a top 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 isn’t any price 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 price, amongst different perks. We advocate a credit score rating of 670 or greater for this card.
This 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 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 accordance with TPG’s July 2025 valuation, Wells Fargo factors are value 1.6 cents per level, making this supply value $320 when redeemed for journey.
It is value noting that almost all Wells Fargo bank card functions have the next phrases:
You might not qualify for a further Wells Fargo-branded bank card 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, be certain it has been at the very least six months because the final time you opened a card with them. Needless to say Wells Fargo might contemplate different elements, like what number of whole credit score accounts you’ve got opened 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 preserve that stat in thoughts as properly when deciding when to use.
Associated: The last word information to bank card software 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 offers elitelike advantages on lodge bookings made by its program, together with room upgrades on arrival (when accessible), 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 will help you with journey bookings, restaurant suggestions and reservations or reserving tickets to an occasion.
The Autograph Card additionally gives a number of protections on purchases made together with your card. Advantages embody a secondary auto rental collision harm waiver on leases while you pay for your entire 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 in opposition to harm 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. Be aware that this safety doesn’t cowl misplaced or lacking cellphones.
When you will not get lounge entry or assertion credit with this card, this can be 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 may earn on the following charges:
- 3 factors per greenback spent on eating (contains takeout, catering and meals supply companies)
- 3 factors per greenback spent on journey (airfare, resorts, automobile leases, cruises and extra)
- 3 factors per greenback spent at gasoline stations and electrical automobile charging stations,
- 3 factors per greenback spent on transit, eligible streaming companies and cellphone plans
- 1 level per greenback spent on different purchases
On condition that, in accordance with TPG’s July 2025 valuation, Wells Fargo factors are value 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’ve a number of choices for redeeming your factors at wellsfargo.com/rewards. You’ll be able to redeem them at a worth of 1 cent apiece as an announcement credit score, for reward playing cards (in $25 increments), or to guide journey, comparable to flights, rental automobiles or lodge stays.
You too can 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 collaborating retailers, together with PayPal.
There are positives and negatives to those redemption choices.
On the plus aspect, you by no means should guess what your factors will likely be value while you use them. Utilizing these redemption choices means you may all the time get a worth of 1 cent per level.
On the detrimental aspect, these aren’t the most effective redemption choices, since you may get extra worth out of your factors by profiting from Wells Fargo’s switch companions.
Associated: Wells Fargo Rewards program: 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 checklist is not practically so long as different credit score issuers’, it is nonetheless a wide selection. Wells Fargo will possible add extra companions sooner or later, so preserve an in depth eye on this checklist.
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 constructions.
For extra choices, try our full checklist of the most effective journey playing cards.
Learn extra: Chase Sapphire Most well-liked vs. Capital One Enterprise Rewards
Is the Wells Fargo Autograph card value it?
The Wells Fargo Autograph is greatest for individuals who need a no-annual-fee card with good advantages like cellphone safety and credit score rating entry. This card grants entry to a top quality collection of switch companions, making it an ideal match for journey novices and fanatics alike.
Backside line
We hardly ever see a card with out an annual price that gives a number of protections and robust incomes classes.
These in search of a card with no annual price and entry to switch companions might benefit from the Wells Fargo Autograph. If you happen to’re in search of a card that gives extra switch companions, nonetheless, going with one other issuer, like Chase or Capital One, makes extra sense.
Apply right here: Wells Fargo Autograph
