Wells Fargo Autograph® Card
Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and cell phone providers, plus 1X points on all other purchases. $0 annual fee. No foreign transaction fees.
Current Welcome Offer
20,000 points
$200 estimated value
Spend $1,000 in 90 days
Card Offers
public
20,000 points
$200 estimated value
Spend $1,000 in 90 days
Earning Rates
gas stations and electric vehicle charging stations
cell phone and landline providers
content at home or on the go
dining in, take-out, catering, delivery and more
subways, ride shares, parking, tolls and more
airfare, hotels, car rentals, cruises and more
Pros & Cons
Pros
- No annual fee.
- Unlimited 3X points on six everyday categories including restaurants, travel, gas, transit, streaming, and phone plans.
- 0% intro APR for 12 months on purchases.
- No foreign transaction fees.
- Welcome bonus of 20,000 points after $1,000 spend.
Cons
- 1X points on purchases outside bonus categories.
- Variable APR up to 28.49% after intro period.
- Secondary coverage on insurances like cell phone and auto rental.
- No intro APR for balance transfers.
Key Takeaways
- Unlimited 3X points on restaurants, travel, gas/EV charging, transit, streaming, and phone providers.
- $0 annual fee and no foreign transaction fees.
- 0% intro APR for 12 months on purchases.
- Cell phone protection up to $600 per claim with $25 deductible.
- Secondary auto rental collision damage waiver.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 18.49% - 28.49%0% intro APR for 12 months
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
4 benefits
Travel Insurance
Travel Access & Perks
Purchase Protection
Coverage Tier Legend
Frequently Asked Questions
What is the annual fee for the Wells Fargo Autograph Card?
What are the rewards earning rates?
What is the welcome bonus offer?
Does the card have an intro APR?
Are there foreign transaction fees?
What cell phone protection does it offer?
What travel benefits are included?
How can rewards be redeemed?
About This Card
This card suits frequent spenders on dining, travel, gas, transit, streaming services, and phone bills who want high rewards without an annual fee. It fits those traveling abroad due to no foreign transaction fees.
The Wells Fargo Autograph® Card offers unlimited 3X points on restaurants (dining in, take-out, catering, delivery), travel (airfare, hotels, car rentals, cruises), gas stations and electric vehicle charging stations, transit (subways, ride shares, parking, tolls), popular streaming services, and cell phone and landline providers. Earn 1X points on all other purchases. Enjoy 0% intro APR for 12 months on purchases, then 18.49%, 24.49%, or 28.49% variable APR. $0 annual fee and no foreign transaction fees. Rewards redeemable via Wells Fargo Rewards for cash back, gift cards, statement credits, PayPal, or transfers to travel partners.
It stands out in the no-annual-fee tier with unlimited 3X points across broad categories like transit, streaming, and phone plans not always matched by peers.
Ready to Decide?
Apply for the Wells Fargo Autograph® Card
20,000 points, worth about $200 estimated value, with no annual fee.
Spend $1,000 in 90 days
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Sources & Methodology
Sources & Methodology
We collect card details from official issuer pages, then verify them through editorial review.
Last updated:
Pending editorial review.
- 4 of 4 benefits rated high confidence
- 1 of 1 offer verified
Read our full methodology for how we collect, verify, and rate credit cards.
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