$0
Annual fee
$200
Bonus value
See the card
Card reviewWells Fargo
Updated Jul 3, 2026 · research
Wells FargoWells Fargo Rewards®Editorially reviewed
Wells Fargo Autograph® Card
No annual fee Visa card earning 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans, plus 1X on other purchases.
Mid TierPersonal
Visa
$0
Annual fee
3x pts gas stations
Top rate
None
Foreign fee
N/A
Rating
Current Welcome Offer
20,000 points
$200 estimated value
Spend $1,000 in 90 days
Verifiedproduct page
Card Offers
public
20,000 points
$200 estimated value
Spend $1,000 in 90 days
product page
Earning Rates
Gas Stations
3xpoints
Earn 3 rewards points per $1 spent on net purchases at retailers whose Visa merchant code is classified as gas stations, automated fuel dispensers, and electric vehicle charging stations. No limit to points you can earn on purchases made with the card.
Phone Plans
3xpoints
Earn 3 rewards points per $1 spent on net purchases at landline and cell phone providers considered telecommunication services. No limit to points you can earn on purchases made with the card.
Popular Streaming Services
3xpoints
Earn 3 rewards points per $1 spent on net purchases for popular streaming services classified as cable and other pay television, digital goods, books, movies, music, and continuity/subscription services, as listed by Wells Fargo. No limit to points you can earn on purchases made with the card.
Restaurants
3xpoints
Earn 3 rewards points per $1 spent on net purchases at retailers whose Visa merchant code is classified as eating places and restaurants, drinking places, fast food restaurants, and/or caterers. No limit to points you can earn on purchases made with the card.
Transit
3xpoints
Earn 3 rewards points per $1 spent on net purchases at retailers whose Visa merchant code is classified as passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages. No limit to points you can earn on purchases made with the card.
Travel
3xpoints
Earn 3 rewards points per $1 spent on net purchases at retailers whose Visa merchant code is classified as airline, hotel/motel, timeshare, vehicle/auto rental, cruise lines, travel agencies, discount travel sites, or campgrounds. No limit to points you can earn on purchases made with the card.
Other Purchases
1xpoints
Earn 1 rewards point per $1 spent on other net purchases. Cash advances and cash equivalents do not earn points. No limit to points you can earn on purchases made with the card.
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
12 benefits (2 strong or better) including 2 hidden gems
Travel Insurance
Travel Access & Perks
Purchase Protection
Purchase Protection
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee for the Wells Fargo Autograph Card?
The card has a $0 annual fee. There is no waived first year provision as it is always free.
What are the rewards earning rates?
Earn unlimited 3X points on restaurants, travel, gas stations and EV charging, transit, popular streaming services, and phone plans. Earn 1X points on all other purchases.
What is the welcome bonus offer?
Earn 20,000 points after spending $1,000 in purchases within the first 90 days. This bonus is valued at $200.
Does the card have an intro APR?
There is a 0% intro APR for 12 months on purchases. After that, the variable APR ranges from 18.49% to 28.49%.
Are there foreign transaction fees?
No, the card has 0% foreign transaction fees.
What cell phone protection does it offer?
Up to $600 per claim for damage or theft when the monthly bill is paid with the card. Coverage is secondary with a $25 deductible and likely limited to 2 claims per 12 months.
What travel benefits are included?
Secondary auto rental collision damage waiver when the rental is paid with the card. Also includes 24/7 travel and emergency assistance services worldwide.
How can rewards be redeemed?
Rewards are earned as points in the Wells Fargo Rewards program. They can be redeemed for cash back, gift cards, statement credits, PayPal, or transfers to travel partners.
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.
Wells Fargo Autograph® Card is a no annual fee Visa card that earns 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans, plus 1X points on other purchases. Points can be redeemed through Wells Fargo Rewards® and the page states a current point evaluation of $0.01 per point.
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
Data Collection
We collect card details from official issuer pages, then verify them through editorial review.
Last updated:
Editorial Review
Pending editorial review.
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- 12 of 12 benefits rated high confidence
- 1 of 1 offer verified
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