Verdict · Updated April 2026
Wells Fargo Autograph Card for Dining & Restaurants
The Wells Fargo Autograph Card is workable for dining & restaurants but not the strongest fit — ranked #21 of 40 eligible cards. Several cards listed in alternatives outperform it for this specific use case.
Rank #21 of 4049th percentileWorkable but not optimal
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Wells Fargo Autograph Card
Wells Fargo · No annual fee
Wells 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.
Full card review
Earn math — Dining & Restaurants profile
Based on typical dining & restaurants spending of $19,200/year across the categories below.
Annual rewards
$360
Annual fee
$0
Net value
$360
Dining multiplierDelivery creditsFast-food codingCoffee shop bonuses
Where the Wells Fargo Autograph Card wins for dining & restaurants
- 3x on dining — solid multiplier for restaurants and delivery
Top 3 alternatives for dining & restaurants
Cards that rank higher than or close to the Wells Fargo Autograph Card on our dining & restaurants scoring model.
How the Wells Fargo Autograph Card performs for other use cases
Frequently asked questions
Is the Wells Fargo Autograph Card a good card for dining & restaurants?⌄
The Wells Fargo Autograph Card is workable for dining & restaurants but not the strongest fit — ranked #21 of 40 eligible cards. Several cards listed in alternatives outperform it for this specific use case.
How much can I earn with the Wells Fargo Autograph Card on dining & restaurants spending?⌄
At the typical dining & restaurants spending profile of $19,200/year, this card earns approximately $360 in rewards — net $360 after the $0 annual fee.
What are better alternatives to the Wells Fargo Autograph Card for dining & restaurants?⌄
Our top 3 alternatives are U.S. Bank Altitude Reserve Visa Infinite, IHG One Rewards Premier Credit Card, Capital One SavorOne. Each ranks higher on our use-case scoring model for dining & restaurants.
What credit score do I need for the Wells Fargo Autograph Card?⌄
The Wells Fargo Autograph Card typically requires good credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Wells Fargo Autograph Card's annual fee worth it for this use case?⌄
The Wells Fargo Autograph Card has no annual fee — there's no breakeven to clear, so any rewards earned on dining & restaurants spending are pure profit.
Want the full card review?
See rewards, fees, and all perks of the Wells Fargo Autograph Card