Benefits of the Wells Fargo Autograph

This no-annual-fee card comes with solid ongoing rewards, a lucrative sign-up bonus and valuable travel perks.
Caitlin Mims
By Caitlin Mims 
Edited by Erin Hurd

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Nowadays, most travel credit cards charge an annual fee in exchange for lucrative rewards and travel-friendly perks. So if you're against paying a fee to carry a credit card, most travel credit cards won't make the cut.

Enter the Wells Fargo Autograph℠ Card, which offers standout rewards in multiple popular spending categories, plus valuable travel protections — all for a $0 annual fee.

Here are the card's benefits.

Lucrative rewards

Wells Fargo Autograph℠ Credit Card
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1. High rewards rate on multiple spending categories

No matter how you spend your money, you’ll be able to rack up rewards quickly with the Wells Fargo Autograph℠ Card.

Cardholders earn 3 points per dollar spent on a whopping six bonus categories:

  • Restaurants.

  • Travel.

  • Gas.

  • Transit.

  • Select streaming services.

  • Phone plans.

All other purchases made on the Wells Fargo Autograph℠ Card earn 1 point per dollar spent.

2. Access to My Wells Fargo Deals

Cardholders of the Wells Fargo Autograph℠ Card have access to My Wells Fargo Deals, which gives you extra bonus points at select stores for a limited time. Once you activate the offer, you'll earn extra rewards on in-store or online purchases.

Introductory incentives

3. No annual fee

You won’t pay anything to carry the Wells Fargo Autograph℠ Card, because it doesn’t charge an annual fee — a rarity among travel credit cards.

4. Enticing sign-up bonus

The Wells Fargo Autograph℠ Card comes with a sizable sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. Other travel credit cards have larger sign-up bonuses, but this is pretty valuable for a no-annual-fee card.

5. 0% introductory annual percentage rate on purchases

If you’re planning on making a large purchase, the Wells Fargo Autograph℠ Card gives you extra time to pay it off. You’ll get a 0% intro APR on Purchases for 12 months, and then the ongoing APR of 19.74%, 24.74%, or 29.74% Variable APR.

Travel-friendly benefits

6. No foreign transaction fees

The Wells Fargo Autograph℠ Card is a great travel companion because it doesn’t charge foreign transaction fees. These fees typically cost around 3% of any international purchase, so this card could help you save when you're on vacation.

7. Rental car coverage

As long as you put your entire rental car purchase on the card and decline the rental company’s insurance, the Wells Fargo Autograph℠ Card will cover any loss or damage to the car, up to $50,000. It's important to note, though, that this insurance is secondary for reservations in the United States, meaning that it will only kick in after you've used your regular car insurance. For international rental car purchases, this coverage is primary.

8. Roadside assistance

The Wells Fargo Autograph℠ Card comes with Roadside Dispatch, a roadside assistance program. You have to pay to use the program, but you'll be able to access towing services, a tire change, jump start or other emergency vehicle services whenever you need them.

9. 24/7 Visa Concierge service

The Wells Fargo Autograph℠ Card comes with Visa Concierge service, which can help you do anything from booking flights to getting event tickets and dinner reservations. You can call 24 hours a day.

10. Cell phone protection

If you use the Wells Fargo Autograph℠ Card to pay your monthly cell phone bill, you’ll get up to $600 in cell phone protection. It comes with a $25 deductible, covering both cell phone damage and theft.

What's next

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