The Wells Fargo Autograph℠ Card is a powerful no-annual-fee rewards card that delivers unlimited 3X points in everyday categories like dining, travel, gas, and streaming. Whether you’re commuting, booking a trip, or ordering takeout, this card rewards your real lifestyle — all with no rotating categories, no caps, and no annual fee.
It’s a straightforward and rewarding option for those who want flexible points, strong protections, and modern digital banking integration.
What Is the Wells Fargo Autograph℠ Card?
The Autograph℠ Card is a personal rewards credit card issued by Wells Fargo, offering 3X points in key spending categories, robust digital features, and Visa Signature® benefits. It’s ideal for users who want everyday value without tracking quarterly activations or juggling complex reward rules.
All points earned can be redeemed for travel, gift cards, statement credits, or cash — making it easy to convert spending into value.
Key Features and Benefits
3X Points on Everyday Categories
Earn unlimited 3X points per dollar in the following high-frequency categories:
- Restaurants
- Travel (airfare, hotels, car rentals, cruises, etc.)
- Gas stations
- Transit (rideshare, tolls, subways)
- Phone plans
- Streaming services
All other purchases earn 1X point per dollar, with no limits or expirations on points.
Welcome Bonus Offer
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months — equivalent to a $200 value when redeemed for travel, gift cards, or statement credit.
$0 Annual Fee
The card has no annual fee, so you can maximize long-term rewards without carrying any fixed cost.
Cell Phone Protection
When you pay your monthly phone bill with the Autograph Card, you receive up to $600 in cell phone protection (subject to $25 deductible) against damage or theft — a standout perk not commonly found on no-fee cards.
Visa Signature® Benefits
As a Visa Signature card, Autograph offers access to:
- Extended warranty on eligible purchases
- Auto rental collision damage waiver
- Travel and emergency assistance
- Roadside Dispatch
- Access to the Visa Signature Luxury Hotel Collection
Introductory 0% APR
Enjoy 0% introductory APR on purchases for 12 months from account opening, followed by a variable APR (typically around 20.24%–29.99%, based on credit).
No Foreign Transaction Fees
Use the card abroad with confidence — there are no foreign transaction fees, making this a solid option for international travel.
Rewards Redemption Options
You can redeem points via Wells Fargo Rewards in several ways:
- Travel bookings (flights, hotels, car rentals)
- Statement credits
- Gift cards
- Pay with Points at select merchants
- Cash back via direct deposit or check
Rewards do not expire as long as the account remains open.
Fees and Requirements
- Annual Fee: $0
- Intro APR: 0% for 12 months on purchases
- Foreign Transaction Fees: $0
- Credit Needed: Good to Excellent (FICO 690+)
- Network: Visa Signature®
How to Apply for the Wells Fargo Autograph℠ Card
- Visit wellsfargo.com/credit-cards/autograph
- Review current welcome offers and terms
- Submit a secure online application
- Enter personal, financial, and contact information
- Most decisions are made instantly, and physical cards typically arrive in 5–7 business days
Conclusion: Is the Wells Fargo Autograph℠ Card Worth It?
Yes — especially for users who want broad 3X rewards, zero annual fees, and flexible redemption without micromanagement. The Wells Fargo Autograph℠ Card is well-suited for:
- Daily spenders who value restaurants, travel, and gas rewards
- Cardholders seeking a reliable no-fee option with strong mobile and security features
- Anyone looking for a versatile Visa Signature® experience without complexity
With no rotating categories, caps, or gimmicks, the Autograph Card is a straightforward, high-utility tool for maximizing everyday spending with long-term value.
