Wells Fargo Autograph Card review: Full details

The Wells Fargo Autograph® Card (see rates and fees) gives bonus factors in in style spending classes, simple redemptions at a flat price and several other helpful advantages that are not widespread on playing cards with no annual price. Card score*: ⭐⭐⭐

*Card rating relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

The Wells Fargo Autograph card is a well-liked possibility for many who need a bank card with no annual price, journey and purchasing protections and a high quality incomes construction. Extra eyes have been on the cardboard ever since Wells Fargo launched switch companions, permitting cardholders to get most worth from their factors.

The truth that the Autograph Card has no annual price means there is no price for protecting it in your pockets, so you possibly can take pleasure in advantages like cellphone safety and complimentary entry to your credit score rating for no added price, amongst different perks. We suggest a credit score of 670 or greater for this card.

This is a better have a look at the Wells Fargo Autograph Card.

Earn 20,000 bonus factors after spending $1,000 or extra in purchases within the first three months from account opening with the Wells Fargo Autograph.

In keeping with TPG’s July 2025 valuation, Wells Fargo factors are price 1.6 cents per level, making this supply price $320 when redeemed for journey.

It is price noting that the majority Wells Fargo bank card purposes have the next phrases:

You might not qualify for an extra Wells Fargo-branded bank card when you’ve got opened a Wells Fargo-branded bank card within the final 6 months.

Earlier than making use of for a Wells Fargo card, make sure that it has been not less than six months because the final time you opened a card with them. Remember that Wells Fargo might contemplate different elements, like what number of complete credit score accounts you have opened just lately, when contemplating your software.

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TPG bank cards editor Olivia Mittak was denied for a Wells Fargo card for having too many new accounts prior to now 24 months, so hold that stat in thoughts as properly when deciding when to use.

Associated: The ultimate guide to credit card application restrictions

Since it is a Visa Signature card, you will take pleasure in two built-in advantages with the Wells Fargo Autograph.

The Visa Signature Luxurious Resort Assortment gives elitelike advantages on hotel bookings made by its program, together with room upgrades on arrival (when accessible), a $25 meals and beverage credit score on the property, VIP visitor standing and complimentary breakfast for 2 every day.

The Visa Signature Concierge Service may help you with journey bookings, restaurant suggestions and reservations or reserving tickets to an occasion.

The Autograph Card additionally gives a number of protections on purchases made together with your card. Advantages embrace a secondary auto rental collision damage waiver on leases if you pay for your complete transaction together with your card, 24/7 roadside dispatch, journey and emergency providers help and free entry to your FICO credit score rating.

You will additionally obtain as much as $600 of cellphone protection towards harm or theft if you pay your month-to-month invoice with the Autograph Card. Nonetheless, there’s a $25 deductible per declare and a restrict of two claims in a 12-month interval. Observe that this safety doesn’t cowl misplaced or lacking cellphones.

Whilst you will not get lounge entry or assertion credit with this card, it is a stable vary of advantages for a no-annual-fee card.

Associated: Comparing Visa Signature and World Elite Mastercard benefits

With the Wells Fargo Autograph, you will earn on the following charges:

• 3 factors per greenback spent on dining (contains takeout, catering and meals supply providers)
• 3 factors per greenback spent on journey (airfare, resorts, automobile leases, cruises and extra)
• 3 factors per greenback spent at gas stations and electrical automobile charging stations,
• 3 factors per greenback spent on transit, eligible streaming services and cellphone plans
• 1 level per greenback spent on different purchases

On condition that, based on TPG’s July 2025 valuation, Wells Fargo factors are price 1.6 cents every, you will get a 4.8% return in your spending in these bonus classes.

It is uncommon to see cellphone plans as a bonus class on a private card. Usually, that class pops up on enterprise playing cards.

Associated: The best rewards credit cards for each bonus category

You have got a number of choices for redeeming your factors at wellsfargo.com/rewards. You’ll be able to redeem them at a price of 1 cent apiece as an announcement credit score, for reward playing cards (in $25 increments), or to ebook journey, reminiscent of flights, rental automobiles or resort stays.

You can too redeem factors as a credit score to a qualifying Wells Fargo bank card, checking account or mortgage. Plus, you possibly can pay with factors at collaborating retailers, together with PayPal.

There are positives and negatives to those redemption choices.

On the plus aspect, you by no means must guess what your factors shall be price if you use them. Utilizing these redemption choices means you will at all times get a price of 1 cent per level.

On the unfavorable aspect, these aren’t one of the best redemption choices, since you may get extra worth out of your factors by profiting from Wells Fargo’s switch companions.

Associated: Wells Fargo Rewards program: How to earn, redeem and transfer points

With the Wells Fargo Autograph, you can take pleasure in entry to transfer partners to maximise the worth of your factors. Wells Fargo has the next switch companions:

Whereas this checklist is not practically so long as different credit score issuers’, it is nonetheless a wide variety. Wells Fargo will possible add extra companions sooner or later, so hold an in depth eye on this checklist.

Associated: Credit card transfer partners: Guide to transferring points and miles to airlines and hotels

When contemplating playing cards that compete with the Wells Fargo Autograph, two sorts instantly come to thoughts: playing cards that earn transferable rewards and bank cards with related incomes buildings.

For extra choices, take a look at our full checklist of the best travel cards.

Learn extra: Chase Sapphire Preferred vs. Capital One Venture Rewards

The Wells Fargo Autograph is greatest for many who need a no-annual-fee card with good advantages like cellphone safety and credit score rating entry. This card grants entry to a high quality collection of switch companions, making it an awesome match for journey rookies and lovers alike.

These in search of a card with no annual price and entry to switch companions might benefit from the Wells Fargo Autograph. In the event you’re in search of a card that gives extra switch companions, nonetheless, going with one other issuer, like Chase or Capital One, makes extra sense.

Apply right here: Wells Fargo Autograph