Wells Fargo Autograph℠ Card Review: Rewards, Fees & Benefits

Welcome Bonus

20,000 Points

Welcome Bonus

Spend $1,000 in the first 90 days

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 3x

Point Value~0.01¢ each

ExpirationPoints do not expire as long as the account remains open and in good standing; points are forfeited upon account closure

Transfer PartnersAer Lingus (1:1), Air France-KLM Flying Blue (1:1), Avianca LifeMiles (1:1), British Airways Avios (1:1), Cathay Pacific Asia Miles (1:1), Iberia Avios (1:1), JetBlue TrueBlue (1:1), Virgin Atlantic Flying Club (1:1), Choice Privileges (1:2), Wyndham Rewards (1:2)

Redemption NotesPoints redeemed for cash, statement credits, gift cards, or travel portal bookings are valued at 1 cent per point maximum; minimum cash redemption is 100 points ($1) for statement credits or $20 increments via Wells Fargo ATM; transfers to airline and hotel partners are irreversible and should only be made when a specific award is confirmed available

Category	Rate	Type	Cap
Restaurants 3x points (unlimited) on purchases at restaurants, including fast food, bars, and food delivery services classified under the applicable Visa merchant code.	3x	Points	No cap
Travel 3x points (unlimited) on travel purchases including airlines, hotels, car rentals, cruises, vacation packages, ferries, tolls, and parking classified under applicable Visa travel merchant codes.	3x	Points	No cap
Gas Stations and EV Charging Stations 3x points (unlimited) on purchases at gas stations and electric vehicle charging stations classified under the applicable Visa merchant codes.	3x	Points	No cap
Transit 3x points (unlimited) on transit purchases including taxis, rideshares, buses, trains, subways, and other public transportation classified under the applicable Visa merchant codes.	3x	Points	No cap
Popular Streaming Services 3x points (unlimited) on qualifying streaming service subscriptions classified under the applicable Visa merchant code; not all streaming services may qualify.	3x	Points	No cap
Phone Plans 3x points (unlimited) on landline and cell phone provider purchases classified under the applicable Visa merchant code for telecommunications services.	3x	Points	No cap
All Other Purchases 1x point per $1 spent on all other net purchases not classified under a 3x bonus category; cash equivalents, ATM transactions, cash advances, balance transfers, and fees do not earn points.	1x	Points	No cap

Benefits & Protections

No Foreign Fees

Cell Phone Protection

Benefit	Category	Value / Coverage
My Wells Fargo Deals Cardholders have access to personalized cash back offers from select merchants through the My Wells Fargo Deals program; activated offers earn cash back as a statement credit when purchases are made with the eligible Wells Fargo card at participating merchants.	Credits	Variable cash back (statement credit)
0% Intro APR on Purchases Eligible new cardholders receive a 0% introductory APR on purchases for 12 months from account opening; after the intro period, a variable APR applies based on creditworthiness.	Financial	0% APR for 12 months
0% Intro APR on Qualifying Balance Transfers Qualifying balance transfers made within 120 days of account opening receive a 0% introductory APR for 12 months from account opening; a balance transfer fee of 3% (minimum $5) applies during the intro period and up to 5% (minimum $5) thereafter.	Financial	0% APR for 12 months on qualifying BTs
No Annual Fee The Wells Fargo Autograph℠ Card carries no annual fee for the life of the account.	Financial	$0 Up to $0
No Foreign Transaction Fee Wells Fargo charges no foreign transaction fee on international purchases made with this card, making it suitable for use when traveling abroad.	Financial	$0 Up to $0
Cell Phone Protection When the monthly wireless bill is paid with this card, cardholders receive coverage of up to $600 per claim against cell phone damage or theft, with a $25 deductible; limited to two paid claims per 12-month period. Coverage is supplemental and excess to other applicable insurance.	Insurance	Up to $600 per claim Up to $600
Free FICO® Credit Score Access Cardholders can access their FICO® Score for free through their Wells Fargo Online account or mobile app on a monthly basis; checking does not impact the credit score.	Lifestyle	Complimentary
1x Points on All Other Purchases Earn 1x Wells Fargo Rewards point per $1 spent on all other net purchases not classified under a 3x bonus category; cash equivalents, fees, and cash advances do not earn points.	Rewards	1x points (unlimited)
3x Points on Gas Stations and EV Charging Earn unlimited 3x Wells Fargo Rewards points per $1 spent at gas stations and electric vehicle charging stations classified under the applicable Visa merchant codes.	Rewards	3x points (unlimited)
3x Points on Phone Plans Earn unlimited 3x Wells Fargo Rewards points per $1 spent on landline and cell phone provider purchases classified under the applicable Visa merchant code for telecommunications services.	Rewards	3x points (unlimited)
3x Points on Popular Streaming Services Earn unlimited 3x Wells Fargo Rewards points per $1 spent on qualifying streaming service subscriptions classified under the applicable Visa merchant code; not all streaming services may qualify.	Rewards	3x points (unlimited)
3x Points on Restaurants Earn unlimited 3x Wells Fargo Rewards points per $1 spent at restaurants, including fast food, bars, food delivery services, and catering classified under applicable Visa merchant codes.	Rewards	3x points (unlimited)
3x Points on Transit Earn unlimited 3x Wells Fargo Rewards points per $1 spent on transit purchases including taxis, rideshares, buses, trains, subways, and other public transportation classified under applicable Visa merchant codes.	Rewards	3x points (unlimited)
3x Points on Travel Earn unlimited 3x Wells Fargo Rewards points per $1 spent on travel purchases including airlines, hotels, car rentals, cruises, vacation packages, ferries, tolls, and parking classified under applicable Visa travel merchant codes.	Rewards	3x points (unlimited)
Transferable Points to Airline and Hotel Partners Wells Fargo Rewards points earned on this card can be transferred to airline and hotel loyalty programs including Aer Lingus, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways Avios, Cathay Pacific Asia Miles, Iberia Avios, JetBlue TrueBlue, and Virgin Atlantic Flying Club at 1:1, and Choice Privileges and Wyndham Rewards at 1:2.	Rewards	Complimentary
Zero Liability Protection Cardholders are not held responsible for unauthorized transactions made with their card or account information when reported promptly, subject to Wells Fargo's zero liability policy terms.	Security	$0 liability Up to $0
24/7 Roadside Dispatch Cardholders have access to a 24/7 on-demand roadside dispatch network for emergency vehicle services including towing, fuel delivery, tire change, locksmith services, and winching; no membership is required but cardholders are responsible for the cost of services rendered.	Travel	Complimentary dispatch access (services at cardholder's cost)

Interest Rates

0%

Intro Purchase APR for 12 months

Purchase APR18.49%–28.49% Variable

Balance Transfer APR28.49%

Min. Interest Charge$1

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer Fee3% (minimum $5) for balance transfers made within 120 days from account opening at the intro rate; up to 5% (minimum $5) thereafter

Cash Advance Fee5% of the amount of each cash advance, minimum $10

Late Payment FeeUp to $40

Returned Payment FeeUp to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationAvailable (no hard pull)

Student EligibleYes

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $1,000 – No limit listed

Issuer Rules & Restrictions

Shutdown Risk Triggers

Manufactured spending, excessive cash advances, too many new accounts opened in a short period, returned payments, pattern of applications primarily for welcome bonuses followed by account closure, sudden large spending spikes inconsistent with account history

Cliff Effect Rules

Welcome bonus on the Wells Fargo Autograph℠ Card is typically not available to applicants who received a welcome bonus on the same product within the past 15 months. The Wells Fargo Autograph℠ Card and the Wells Fargo Autograph Journey℠ Card are treated as separate products with separate bonus eligibility timelines. Both Autograph products must be held to enable point transfers to travel partners from cash-back cards like the Active Cash.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Wells Fargo enforces a six-month rule — applicants who have opened a Wells Fargo credit card within the past six months are typically ineligible to open another (with limited exceptions such as the Bilt Mastercard). Welcome bonus eligibility for the Wells Fargo Autograph℠ Card may be restricted if the applicant received a welcome bonus on the same product within the past 15 months, even if the account was subsequently closed. Wells Fargo does not publish a hard cap on the total number of personal credit cards a customer may hold, but tends to be cautious with applicants who have opened multiple accounts in a short period.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Wells Fargo provides SCRA protections including a reduced interest rate of 4% (below the federally required 6% cap) on balances incurred prior to active duty military service; eligible servicemembers must submit a written request along with a copy of their military orders to receive benefits.

Hardship Program

Hardship program available.

Wells Fargo Autograph℠ Card

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

Quick Summary