The Wells Fargo Autograph℠ Credit Card maximizes rewards on everyday spending.
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The Wells Fargo Autograph℠ Credit Card is an excellent option for those looking to maximize rewards on everyday spending. With 3x points in multiple categories and no annual fee, it’s designed for versatility and value.
Wells Fargo Autograph℠ Credit Card
2% on all purchases. Limited travel benefits.How Does the Wells Fargo Autograph Card Work?
The Wells Fargo Autograph Card operates on a points-based rewards system, providing cardholders with 3x points on spending in popular categories like dining, travel, gas stations, transit, streaming services, and phone plans.
For all other purchases, you’ll earn 1x points, ensuring every dollar spent contributes to your rewards balance.
Points can be redeemed for various options, including travel, gift cards, statement credits, and more through Wells Fargo’s rewards portal. This flexibility ensures you can use your points in a way that suits your lifestyle.
The card also offers a 0% introductory APR on purchases for the first 12 months. This feature makes it an excellent choice for financing large expenses or managing cash flow during the first year of card ownership. After the introductory period, a variable APR applies based on your creditworthiness.
Additionally, the card comes with Visa Signature benefits, including travel and purchase protections, concierge services, and access to exclusive experiences.
With added features like cell phone protection when you pay your phone bill with the card, the Autograph Card offers a blend of rewards and security.
Main Benefits of the Wells Fargo Autograph Card
The Wells Fargo Autograph Card shines for its robust rewards structure, offering 3x points in categories that align with everyday spending.
Dining and travel are significant expenses for many people, and earning 3x points in these categories ensures that cardholders maximize their rewards on meals out and trips.
Similarly, 3x points on gas stations and transit make it a practical choice for commuters and road-trippers.
Streaming services and phone plans are also covered under the 3x points category, making this card ideal for those who want to earn rewards on subscriptions and essential services.
The absence of an annual fee is another notable benefit, allowing you to keep more of your rewards without worrying about extra costs. Combined with the 0% introductory APR on purchases, this card is a cost-effective way to earn and save.
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Cons of the Wells Fargo Autograph Card
While the Wells Fargo Autograph Card offers many benefits, there are a few drawbacks to consider.
The card charges a 3% foreign transaction fee, making it less suitable for international travelers who frequently spend abroad. For those planning trips outside the U.S., a card with no foreign transaction fees might be a better choice.
Additionally, while the 3x rewards categories are generous, the card doesn’t offer flat-rate rewards on all purchases. This might be a downside for users who prefer to keep their rewards earning simple and consistent across all spending.
Finally, the card lacks premium travel perks like lounge access or travel insurance, which may deter frequent travelers looking for added luxury and protection.
APR and Fees
The Wells Fargo Autograph Card features no annual fee, making it a cost-effective choice for rewards enthusiasts.
The 0% introductory APR for 12 months on purchases is a valuable feature for managing large expenses. After the introductory period, a variable APR applies, which depends on your creditworthiness.
However, the 3% foreign transaction fee is worth noting, as it can add up for cardholders who frequently shop internationally. Other fees include a balance transfer fee of 3% or 5%, depending on the timing of the transfer.
How to Apply for the Wells Fargo Autograph Card
Applying for the Wells Fargo Autograph Card is a quick and straightforward process.
Start by visiting Wells Fargo’s website and navigating to the Autograph Card’s application page. Click “Apply Now” and complete the application form with your personal and financial information, including income and Social Security number.
Once submitted, Wells Fargo will evaluate your application and provide a decision, often within minutes. If approved, your card will arrive by mail in 7–10 business days. Activate it online or by phone to start earning rewards immediately.
BankAmericard® Credit Card 
Wells Fargo Autograph℠ Credit Card