Wells Fargo Autograph Card overview
The Wells Fargo Autograph® Card (see charges and charges) presents bonus factors in fashionable spending classes, simple redemptions at a flat charge and a number of other useful advantages that are not frequent on playing cards with no annual charge. Card ranking*: ⭐⭐⭐
*Card ranking is predicated 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 need a bank card with no annual charge, 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 charge means there is not any price for conserving it in your pockets, so you’ll be able to 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 increased for this card.
Here is a more in-depth take a look at the Wells Fargo Autograph Card.
Wells Fargo Autograph professionals and cons
Bonus factors on numerous on a regular basis purchases
As much as $600 in mobile phone safety once you pay your month-to-month invoice with the cardboard ($25 deductible)
No annual charge
Fewer switch companions than different issuers
Wells Fargo Autograph card welcome provide
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 provide price $320 when redeemed for journey.
It is price noting that almost all Wells Fargo bank card functions have the next phrases:
It’s possible you’ll not qualify for a further Wells Fargo-branded bank card when you’ve got 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. Take into account that Wells Fargo might contemplate different elements, like what number of whole credit score accounts you have opened just 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 up to now 24 months, so preserve that stat in thoughts as nicely 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 will take pleasure in two built-in advantages with the Wells Fargo Autograph.
The Visa Signature Luxurious Resort Assortment gives elitelike advantages on resort bookings made by 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 also 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 along with your card. Advantages embrace a secondary auto rental collision harm waiver on leases once you pay for your complete transaction along with your card, 24/7 roadside dispatch, journey and emergency providers help and free entry to your FICO credit score rating.
You may additionally obtain as much as $600 of cellphone safety towards harm or theft once 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 strong 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 will 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, inns, automobile leases, cruises and extra)3 factors per greenback spent at gasoline stations and electrical automobile charging stations,3 factors per greenback spent on transit, eligible streaming providers and telephone plans1 level per greenback spent on different purchases
On condition that, in response to TPG’s July 2025 valuation, Wells Fargo factors are price 1.6 cents every, you will 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 might have a number of choices for redeeming your factors at wellsfargo.com/rewards. You may redeem them at a worth of 1 cent apiece as an announcement credit score, for present playing cards (in $25 increments), or to e-book journey, resembling flights, rental vehicles or resort stays.
You can even redeem factors as a credit score to a qualifying Wells Fargo bank card, checking account or mortgage. Plus, you’ll be able to pay with factors at taking part 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 might be price once you use them. Utilizing these redemption choices means you will all the time get a worth of 1 cent per level.
On the adverse aspect, these aren’t the very best redemption choices, since you may get extra worth out of your factors by benefiting from Wells Fargo’s switch companions.
Associated: Wells Fargo Rewards program: The way to 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 listing is not almost so long as different credit score issuers’, it is nonetheless a wide variety. Wells Fargo will doubtless add further companions sooner or later, so preserve an in depth eye on this listing.
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 constructions.
For extra choices, take a look at our full listing of the very best 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 need 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 newcomers and fanatics alike.
Backside line
We hardly ever see a card with out an annual charge that provides a number of protections and powerful incomes classes.
These in search of a card with no annual charge and entry to switch companions might benefit from the Wells Fargo Autograph. In the event you’re in search of a card that provides extra switch companions, nevertheless, going with one other issuer, like Chase or Capital One, makes extra sense.
Apply right here: Wells Fargo Autograph
