$95
Annual fee
See the card
Card reviewWells Fargo
Updated Aug 13, 2026 · research
Wells FargoWells Fargo Rewards®
Wells Fargo Autograph® Card
No-annual-fee Visa card earning unlimited 3X points on restaurants, travel, gas, transit, popular streaming services, and phone plans.
Mid TierPersonal
Visa
$0
Annual fee
3x pts gas
Top rate
None
Foreign fee
N/A
Rating
Current Welcome Offer
Earn 20,000 points
Spend $1,000 in 90 days
Verifiedissuer product page
Card Offers
public
Earn 20,000 points
Spend $1,000 in 90 days
issuer product_page
Earning Rates
Gas Stations
3xpoints
Includes gas stations, automated fuel dispensers, and electric vehicle charging stations; qualifying merchants are based on Visa merchant classification.
Phone Plans
3xpoints
Includes landline and cell phone providers classified as telecommunication services.
Popular Streaming Services
3xpoints
Qualifying merchants are based on Visa merchant classification and eligible services as listed by Wells Fargo.
Restaurants
3xpoints
Includes dining in, take-out, catering, delivery, and more; qualifying merchants are based on Visa merchant classification.
Transit
3xpoints
Includes passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages; qualifying merchants are based on Visa merchant classification.
Travel
3xpoints
Includes airline, hotel/motel, timeshare, vehicle/auto rental, cruise lines, travel agencies, discount travel sites, and campgrounds; qualifying merchants are based on Visa merchant classification.
Other purchases
1xpoints
Applies to other net purchases; cash advances and cash equivalents do not earn points.
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
11 benefits (1 strong or better)
Travel Insurance
Travel Access & Perks
Purchase Protection
Lifestyle Benefits
Other Insurance
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.
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.
The Wells Fargo Autograph® Card is a personal Visa rewards card with no annual fee. It earns unlimited 3X points on restaurants, travel, gas, transit, popular streaming services, and phone plans, plus 1X on other purchases. It has a 0% introductory purchase APR for 12 months, followed by a variable APR of 18.49%, 24.49%, or 28.49%.
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
Earn 20,000 points with no annual fee.
Spend $1,000 in 90 days
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Sources & Methodology
Sources & Methodology
Data Collection
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- 11 of 11 benefits rated high confidence
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- 1 of 1 offer verified
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