Wells Fargo Autograph Card overview
The Wells Fargo Autograph® Card (see charges and costs) presents bonus factors in in style spending classes, simple redemptions at a flat charge and a number of other priceless advantages that are not widespread on playing cards with no annual payment. 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 payment, journey and purchasing protections and a high 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 payment means there is not any value for protecting it in your pockets, so you may get pleasure from advantages like cellphone safety and complimentary entry to your credit score rating for no added value, amongst different perks. We advocate a credit score rating of 670 or increased for this card.
Here is a more in-depth have 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 keeping 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 almost all Wells Fargo bank card purposes have the next phrases:
It’s possible you’ll not qualify for a further Wells Fargo-branded bank card you probably have opened a Wells Fargo-branded bank card within the final 6 months.
Earlier than making use of for a Wells Fargo card, make certain it has been not less than six months because the final time you opened a card with them. Needless to say Wells Fargo could take into account different components, like what number of complete credit score accounts you have opened not too long ago, when contemplating your software.
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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 preserve that stat in thoughts as effectively when deciding when to use.
Associated: The last word information to bank card software restrictions
Wells Fargo Autograph card advantages
Since it is a Visa Signature card, you may get pleasure from two built-in advantages with the Wells Fargo Autograph.
The Visa Signature Luxurious Resort Assortment gives elitelike advantages on resort bookings made by means of its program, together with room upgrades on arrival (when out there), 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 presents a number of protections on purchases made together with your card. Advantages embrace a secondary auto rental collision harm waiver on leases while you pay for your complete transaction together with your card, 24/7 roadside dispatch, journey and emergency companies help and free entry to your FICO credit score rating.
You may 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, it is 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 companies)
- 3 factors per greenback spent on journey (airfare, inns, automobile leases, cruises and extra)
- 3 factors per greenback spent at fuel stations and electrical car charging stations,
- 3 factors per greenback spent on transit, eligible streaming companies and telephone plans
- 1 level per greenback spent on different purchases
Provided that, based on 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 perfect rewards bank cards for every bonus class
Redeeming factors with the Wells Fargo Autograph card
You have got 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, comparable to flights, rental automobiles or resort stays.
You can too 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 all the time get a price of 1 cent per level.
On the adverse aspect, these aren’t the most effective redemption choices, since you will get extra worth out of your factors by profiting from Wells Fargo’s switch companions.
Associated: Wells Fargo Rewards program: Methods to earn, redeem and switch factors
Transferring factors with the Wells Fargo Autograph card
With the Wells Fargo Autograph, you can get pleasure from entry to switch companions to maximise the worth of your factors. Wells Fargo has the next switch companions:
Whereas this checklist is not almost so long as different credit score issuers’, it is nonetheless a wide variety. Wells Fargo will seemingly add further companions sooner or later, so preserve a detailed eye on this checklist.
Associated: Bank card switch companions: Information to transferring factors and miles to airways and inns
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, take a look at our full checklist of the most effective 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 finest 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 high quality number of switch companions, making it an important match for journey learners and lovers alike.
Backside line
We hardly ever see a card with out an annual payment that provides a number of protections and powerful incomes classes.
These searching for a card with no annual payment and entry to switch companions could benefit from the Wells Fargo Autograph. Should you’re searching for a card that provides extra switch companions, nonetheless, going with one other issuer, like Chase or Capital One, makes extra sense.
Apply right here: Wells Fargo Autograph
