Wells Fargo Autograph Card overview
The Wells Fargo Autograph® Card (see charges and charges) presents bonus factors in in style spending classes, easy redemptions at a flat price and several other invaluable advantages that are not frequent on playing cards with no annual charge. 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 need a bank card with no annual charge, journey and purchasing 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 value for holding 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.
This is a better have a look at the Wells Fargo Autograph Card.
Wells Fargo Autograph professionals and cons
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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 the majority Wells Fargo bank card functions have the next phrases:
You could not qualify for a further Wells Fargo-branded bank card when you have opened a Wells Fargo-branded bank card within the final 6 months.
Earlier than making use of for a Wells Fargo card, make sure that it has been a minimum of six months because the final time you opened a card with them. Take into account that Wells Fargo could take into account different components, like what number of complete credit score accounts you’ve got opened just lately, 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 up to now 24 months, so maintain that stat in thoughts as properly when deciding when to use.
Associated: The final 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 Lodge Assortment offers elitelike advantages on lodge bookings made via its program, together with room upgrades on arrival (when accessible), 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 will 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 embody a secondary auto rental collision injury waiver on leases whenever you pay for your complete transaction along 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 injury or theft whenever 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. Notice 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 (consists of 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 automobile charging stations,
- 3 factors per greenback spent on transit, eligible streaming companies and cellphone plans
- 1 level per greenback spent on different purchases
On condition that, in accordance 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 cellphone plans as a bonus class on a private card. Usually, that class pops up on enterprise playing cards.
Associated: The most effective rewards bank cards for every bonus class
Redeeming factors with the Wells Fargo Autograph card
You could 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 reward playing cards (in $25 increments), or to ebook journey, corresponding to flights, rental vehicles or lodge stays.
You can even redeem factors as a credit score to a qualifying Wells Fargo bank card, checking account or mortgage. Plus, you may 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 need to guess what your factors shall be price whenever you use them. Utilizing these redemption choices means you may at all times get a worth of 1 cent per level.
On the damaging aspect, these aren’t the perfect redemption choices, since you may get extra worth out of your factors by making the most of Wells Fargo’s switch companions.
Associated: Wells Fargo Rewards program: earn, redeem and switch factors
Transferring factors with the Wells Fargo Autograph card
With the Wells Fargo Autograph, you’ll 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 possible add further companions sooner or later, so maintain an in depth 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 varieties instantly come to thoughts: playing cards that earn transferable rewards and bank cards with related incomes buildings.
For added choices, try our full checklist of the finest journey playing cards.
Learn extra: Chase Sapphire Most popular vs. Capital One Enterprise Rewards
Is the Wells Fargo Autograph card price it?
The Wells Fargo Autograph is finest 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 collection of switch companions, making it an ideal match for journey newcomers and fans alike.
Backside line
We not often see a card with out an annual charge that provides a number of protections and powerful incomes classes.
These searching for a card with no annual charge and entry to switch companions could benefit from the Wells Fargo Autograph. For those who’re searching for 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
