Wells Fargo Autograph Card overview
The Wells Fargo Autograph® Card (see charges and costs) provides bonus factors in standard spending classes, simple redemptions at a flat fee and a number of other worthwhile advantages that are not widespread on playing cards with no annual price. Card score*: ⭐⭐⭐
*Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Wells Fargo Autograph card is a well-liked choice for many who desire a bank card with no annual price, journey and procuring protections and a top quality incomes construction. Extra eyes have been on the cardboard ever since Wells Fargo launched switch companions, permitting cardholders to get most worth from their factors.
The truth that the Autograph Card has no annual price means there is not any price for protecting it in your pockets, so you may take pleasure in advantages like cellphone safety and complimentary entry to your credit score rating for no added price, amongst different perks. We advocate a credit score rating of 670 or larger for this card.
This is a more in-depth take a look at the Wells Fargo Autograph Card.
Wells Fargo Autograph professionals 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.
In accordance with 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 is price noting that the majority Wells Fargo bank card functions have the next phrases:
You could not qualify for an extra Wells Fargo-branded bank card in case you have opened a Wells Fargo-branded bank card within the final 6 months.
Earlier than making use of for a Wells Fargo card, be sure that it has been no less than six months for the reason that final time you opened a card with them. Take into account that Wells Fargo might think about different elements, like what number of whole 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 prior to now 24 months, so maintain that stat in thoughts as properly when deciding when to use.
Associated: The last word information to bank card utility restrictions
Wells Fargo Autograph card advantages
Since it is a Visa Signature card, you may take pleasure in two built-in advantages with the Wells Fargo Autograph.
The Visa Signature Luxurious Resort Assortment offers elitelike advantages on lodge bookings made by way of its program, together with room upgrades on arrival (when obtainable), 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 provides a number of protections on purchases made together with your card. Advantages embody a secondary auto rental collision harm waiver on leases while 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 will additionally obtain as much as $600 of cellphone safety in opposition to harm or theft while you pay your month-to-month invoice with the Autograph Card. Nevertheless, there’s a $25 deductible per declare and a restrict of two claims in a 12-month interval. Observe that this safety doesn’t cowl misplaced or lacking cellphones.
Whilst you will not get lounge entry or assertion credit with this card, this can be a stable vary of advantages for a no-annual-fee card.
Associated: Evaluating Visa Signature and World Elite Mastercard advantages
Incomes factors with the Wells Fargo Autograph card
With the Wells Fargo Autograph, you may earn on the following charges:
- 3 factors per greenback spent on eating (contains takeout, catering and meals supply providers)
- 3 factors per greenback spent on journey (airfare, motels, automobile leases, cruises and extra)
- 3 factors per greenback spent at fuel stations and electrical automobile charging stations,
- 3 factors per greenback spent on transit, eligible streaming providers and telephone plans
- 1 level per greenback spent on different purchases
On condition that, in keeping with TPG’s July 2025 valuation, Wells Fargo factors are price 1.6 cents every, you may get a 4.8% return in your spending in these bonus classes.
It is uncommon to see telephone plans as a bonus class on a private card. Usually, that class pops up on enterprise playing cards.
Associated: The very best rewards bank cards for every bonus class
Redeeming factors with the Wells Fargo Autograph card
You might have a number of choices for redeeming your factors at wellsfargo.com/rewards. You possibly can redeem them at a price of 1 cent apiece as an announcement credit score, for present playing cards (in $25 increments), or to guide journey, similar to flights, rental vehicles or lodge stays.
You too can redeem factors as a credit score to a qualifying Wells Fargo bank card, checking account or mortgage. Plus, you may pay with factors at collaborating retailers, together with PayPal.
There are positives and negatives to those redemption choices.
On the plus aspect, you by no means should guess what your factors can be price while you use them. Utilizing these redemption choices means you may at all times get a price of 1 cent per level.
On the unfavourable aspect, these aren’t the very best redemption choices, since you will get extra worth out of your factors by making the most of Wells Fargo’s switch companions.
Associated: Wells Fargo Rewards program: How one can earn, redeem and switch factors
Transferring factors with the Wells Fargo Autograph card
With the Wells Fargo Autograph, you’ll take pleasure in entry to switch companions to maximise the worth of your factors. Wells Fargo has the next switch companions:
Whereas this record is not practically so long as different credit score issuers’, it is nonetheless a wide selection. Wells Fargo will doubtless add extra companions sooner or later, so maintain a detailed eye on this record.
Associated: Bank card switch companions: Information to transferring factors and miles to airways and motels
Which playing cards compete with the Wells Fargo Autograph card?
When contemplating playing cards that compete with the Wells Fargo Autograph, two sorts instantly come to thoughts: playing cards that earn transferable rewards and bank cards with related incomes buildings.
For added choices, try our full record of the greatest journey playing cards.
Learn extra: Chase Sapphire Most well-liked vs. Capital One Enterprise Rewards
Is the Wells Fargo Autograph card price it?
The Wells Fargo Autograph is greatest for many 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 choice of switch companions, making it an incredible match for journey rookies and fanatics alike.
Backside line
We not often see a card with out an annual price that gives a number of protections and powerful incomes classes.
These in search of a card with no annual price and entry to switch companions might benefit from the Wells Fargo Autograph. In the event you’re in search of a card that gives extra switch companions, nonetheless, going with one other issuer, like Chase or Capital One, makes extra sense.
Apply right here: Wells Fargo Autograph