Wells Fargo Autograph Card overview
The Wells Fargo Autograph® Card (see charges and charges) gives bonus factors in in style spending classes, easy redemptions at a flat charge and a number of other worthwhile advantages that are not frequent on playing cards with no annual charge. 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 individuals who desire a bank card with no annual charge, journey and procuring protections and a top quality incomes construction. Additional eyes have been on the cardboard ever since Wells Fargo launched switch companions, permitting cardholders to get most worth from their factors.
The proven fact that the Autograph Card has no annual charge means there is no value for conserving it in your pockets, so you possibly can take pleasure in 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 greater for this card.
Here’s a better take 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.
According to 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’s price noting that almost all Wells Fargo bank card functions have the next phrases:
You could not qualify for an extra Wells Fargo-branded bank card when you have opened a Wells Fargo-branded bank card within the final 6 months.
Before making use of for a Wells Fargo card, make sure that it has been at the very least six months because the final time you opened a card with them. Keep in thoughts that Wells Fargo could take into account different components, like what number of complete credit score accounts you have 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 up to now 24 months, so hold that stat in thoughts as properly when deciding when to use.
Related: The final information to bank card utility restrictions
Wells Fargo Autograph card advantages
Since it is a Visa Signature card, you will take pleasure in two built-in advantages with the Wells Fargo Autograph.
The Visa Signature Luxury Hotel Collection supplies elitelike advantages on lodge bookings made by way of its program, together with room upgrades on arrival (when out there), 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 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. Benefits embody a secondary auto rental collision injury waiver on leases if you pay for all the transaction together with your card, 24/7 roadside dispatch, journey and emergency providers help and free entry to your FICO credit score rating.
You’ll additionally obtain as much as $600 of cellphone safety in opposition to injury or theft if you pay your month-to-month invoice with the Autograph Card. However, there’s a $25 deductible per declare and a restrict of two claims in a 12-month interval. Note that this safety doesn’t cowl misplaced or lacking cellphones.
While 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.
Related: Comparing Visa Signature and World Elite Mastercard advantages
Earning 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 providers)
- 3 factors per greenback spent on journey (airfare, accommodations, automotive 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
Given that, in line with 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’s uncommon to see cellphone plans as a bonus class on a private card. Normally, that class pops up on enterprise playing cards.
Related: The finest rewards bank cards for every bonus class
Redeeming factors with the Wells Fargo Autograph card
You have a number of choices for redeeming your factors at wellsfargo.com/rewards. You can redeem them at a worth of 1 cent apiece as an announcement credit score, for reward playing cards (in $25 increments), or to e book 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 aspect, you by no means need to guess what your factors shall be price if you use them. Using these redemption choices means you will at all times get a worth of 1 cent per level.
On the unfavorable aspect, these aren’t the perfect redemption choices, since you will get extra worth out of your factors by profiting from Wells Fargo’s switch companions.
Related: Wells Fargo Rewards program: How to earn, redeem and switch factors
Transferring factors with the Wells Fargo Autograph card
With the Wells Fargo Autograph, you can take pleasure in entry to switch companions to maximise the worth of your factors. Wells Fargo has the next switch companions:
While this listing is not almost so long as different credit score issuers’, it is nonetheless a wide selection. Wells Fargo will doubtless add extra companions sooner or later, so hold an in depth eye on this listing.
Related: Credit card switch companions: Guide 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 varieties instantly come to thoughts: playing cards that earn transferable rewards and bank cards with related incomes constructions.
For extra choices, take a look at our full listing of the perfect journey playing cards.
Read extra: Chase Sapphire Preferred vs. Capital One Venture Rewards
Is the Wells Fargo Autograph card price it?
The Wells Fargo Autograph is finest for individuals 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 collection of switch companions, making it an amazing match for journey newcomers and fanatics alike.
Bottom line
We hardly ever see a card with out an annual charge that provides a number of protections and powerful incomes classes.
Those searching for a card with no annual charge and entry to switch companions could benefit from the Wells Fargo Autograph. If you are searching for a card that provides extra switch companions, nevertheless, going with one other issuer, like Chase or Capital One, makes extra sense.
Apply right here: Wells Fargo Autograph
