Wells Fargo Autograph Card Review
Wells Fargo · People who spend across multiple categories and want no annual fee
4.4 / 5 (1567 reviews)
Annual Fee
No annual fee
Rewards
3x restaurants, travel, gas, transit, streaming, phone plans, 1x everything else
Regular APR
20.49% – 29.49%
Credit Needed
Good (670-749)
Our Expert Verdict
8/10
Editor's Score
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.
Pros
- 3x on 6 categories
- No annual fee
- Cell phone protection
- No foreign transaction fees
Cons
- Points worth more with Autograph Journey pairing
- 20K bonus is modest
- Wells Fargo reputation
Sign-Up Bonus
20,000 points after spending $1,000 in 3 months
Key Benefits & Perks
3x on 6 popular categories
No annual fee
No foreign transaction fees
Cell phone protection ($600)
0% intro APR for 12 months
Rewards Breakdown
| Category | Rate |
|---|---|
| Restaurants | 3x |
| Travel | 3x |
| Gas Stations | 3x |
| Transit | 3x |
| Streaming | 3x |
| Phone Plans | 3x |
| Everything else | 1x |
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People who spend across multiple categories and want no annual fee
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4.4
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