Wells Fargo Autograph Card
No fee
Wells Fargo
Wells Fargo Autograph Card
4.4
(1,567 reviews)travelrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026Wells Fargo's flagship no-annual-fee rewards card covers six popular bonus categories at 3x. Dining, travel, gas, transit, streaming, and phone plans all earn triple points. Add cell phone protection and no foreign transaction fees and you have a strong everyday card.
Annual Fee
No annual fee
Purchase APR
20.49% – 29.49%
Rewards
1x base rate
Sign-Up Bonus
$200 value
Credit Score
Good (670-749)
Foreign Txn Fee
None
Who Should Get This Card
The Wells Fargo Autograph Card is best suited for established credit users who people who spend across multiple categories and want no annual fee. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- 3x on 6 categories
- No annual fee
- Cell phone protection
- People who spend across multiple categories and want no annual fee
Consider another card if you…
- Points worth more with Autograph Journey pairing
- 20K bonus is modest
- Wells Fargo reputation
Rewards Breakdown
3x restaurants, travel, gas, transit, streaming, phone plans, 1x everything else
| Category | Rate |
|---|---|
| Restaurants | 3x |
| Travel | 3x |
| Gas Stations | 3x |
| Transit | 3x |
| Streaming | 3x |
| Phone Plans | 3x |
| Everything else | 1x |
Rewards Distribution
3x
top rate
Restaurants3x16%
Travel3x16%
Gas Stations3x16%
Transit3x16%
Streaming3x16%
Phone Plans3x16%
Everything else1x5%
Sign-Up Bonus
20,000 points after spending $1,000 in 3 months
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 20.49% – 29.49% |
| Intro APR (Purchases) | 0% for 12 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
3x on 6 categories
No annual fee
Cell phone protection
No foreign transaction fees
Points worth more with Autograph Journey pairing
20K bonus is modest
Wells Fargo reputation
The Bottom Line
The Good: The Wells Fargo Autograph Card stands out for its 3x on 6 categories. The welcome bonus worth $200 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: Points worth more with Autograph Journey pairing.
Our Verdict: With an editor score of 8/10, the Wells Fargo Autograph Card is one of our top-rated cards in its category. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Wells Fargo Autograph Card?▾
The Wells Fargo Autograph Card has no annual fee — you'll never be charged just for keeping the card open.
What is the sign-up bonus for the Wells Fargo Autograph Card?▾
The Wells Fargo Autograph Card currently offers a sign-up bonus worth approximately $200. 20,000 points after spending $1,000 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Wells Fargo Autograph Card?▾
The Wells Fargo Autograph Card earns 1x points on all purchases, and up to 3x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the Wells Fargo Autograph Card?▾
The Wells Fargo Autograph Card is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Wells Fargo Autograph Card charge a foreign transaction fee?▾
No — the Wells Fargo Autograph Card has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Wells Fargo Autograph Card?▾
The Wells Fargo Autograph Card has a variable purchase APR of 20.49% – 29.49%, with a 0% intro APR for the first 12 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Wells Fargo Autograph Card best for?▾
The Wells Fargo Autograph Card is best for People who spend across multiple categories and want no annual fee. A key advantage: 3x on 6 categories.
Customer Reviews
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1,567 reviews
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