Wells Fargo Autograph Card

The Autograph is Wells Fargo's no-annual-fee points card for everyday travel spending: 3X points at restaurants, on travel, gas, transit, popular streaming services, and phone plans, then 1X everywhere else. The useful difference from a simple cash-back card is that Wells Fargo Rewards can be redeemed for cash at a documented 1 cent per point or transferred to participating partners, while the card also avoids foreign transaction fees. It is strongest for someone who wants broad travel and dining categories without paying an annual fee, but it does not replace a premium travel card because the Guide to Benefits lacks trip delay, trip cancellation, baggage delay, lost luggage reimbursement, purchase protection, and extended warranty coverage.

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Annual fee

Free
Welcome offer

20,000 points

$200 cash redemption value
after $1,000 in 3 months
Recommended credit

700-780

Median 720. See why →

Earning rates

on Wells Fargo Rewards

3x

Dining

Visa dining MCCs
3x

Gas

Gas/EV charging
3x

Streaming

Eligible services only
3x

Transit

Visa transit MCCs
3x

Travel

Visa travel MCCs
3x

Wireless

Phone plans only
1x

Everything else

Benefits and credits

Travel credits and perks

Roadside Dispatch
Travel and Emergency Assistance

Lifestyle credits

Visa Signature Concierge

Purchase and protection benefits

Cellular Telephone Protection

Up to $600

financing

0% Intro APR for 12 Months

Travel and purchase coverage

Rental car collision damage waiver

$50,000

Secondary coverage

Pricing and fees

Full Pricing and Terms

Purchase APR: 18.49% to 28.49%
Foreign tx: None
Penalty APR (cap): 29.99%
Balance transfer: 18.49% to 28.49%; Fee $5 or 5.00%, whichever is greater
Cash advance: 29.49%; Fee $10 or 5.00%, whichever is greater
Late / returned: $40 · Not disclosed

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Not disclosed
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Not disclosed
Reports AU to bureaus

Yes

Reports authorized user activity to all three bureaus.
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

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Sources

Data current as of June 17, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.