Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card

on Wells Fargo's website

Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card

on Wells Fargo's website

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Card details

  • Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value

  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases

  • $0 annual fee

  • 0% intro APR for 12 months from account opening on purchases. 17.24%, 22.24%, or 27.24% variable APR thereafter

  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).

  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.

  • Select "Apply Now" to learn more about the product features, terms and conditions.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1x-3x

  • Bonus offer

    Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months.

  • Intro APR

    0% intro APR on Purchases for 12 months

  • Ongoing APR

    APR: 17.24%, 22.24%, or 27.24% Variable APR

    Cash Advance APR: Refer to Important Credit Terms

  • Balance transfer fee

    up to 5%; min: $5

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

17.24%, 22.24%, or 27.24% Variable APR

Rates & Fees

Regular APR

17.49%, 21.49% or 26.49%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Erica Corbin

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

4.5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Bonus categories

  • No reward caps

  • Cell phone insurance

  • New cardholder bonus offer

Cons
  • No free checked bags

  • No free anniversary night

  • No luxury perks

  • Requires good/excellent credit

The Wells Fargo Autograph℠ Card, which has an annual fee of $0, is primarily positioned in the market as a travel credit card because of its triple points on travel spending. But its other bonus-reward categories are highly useful for everyday spending, too. They include 3 points per dollar spent at restaurants and gas stations, as well as on transit, streaming services and phone plans.

That makes this a candidate to be a primary — even front-of-wallet — credit card to carry with you, as well as one you can “set and forget” for recurring streaming and phone payments. And rewards are unlimited, unlike some competing cards that cap bonus rewards. That’s a big deal for big spenders.

You won’t get the transfer partners or upscale perks of high-annual-fee travel credit cards, or brand-specific perks like free checked bags that airline credit cards often offer. But a healthy sign-up bonus and nice-to-have cell phone insurance on the Wells Fargo Autograph℠ Card add to its allure as a top pick among not only no-fee travel credit cards but cash-back cards as well.

For more information, read NerdWallet's full review.