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Pros & Cons
Pros
- +Welcome Bonus: 20,000 points
- +Up to 3x on gas & EV charging
- +No annual fee
Cons
- –No purchase protection
Our Review
Experience Big Rewards, Zero Fee with the Wells Fargo Autograph® Card
- 20,000 bonus points (worth $200) after $1,000 in purchases within the first 3 months
- 3X points on restaurants, travel & transit, gas & EV charging, streaming services and select phone plans
- 1X point on all other purchases
- $0 annual fee
- 0% intro APR on purchases for 12 months
- No foreign transaction fees
- Up to $600 cell phone protection against damage or theft (subject to deductible)
- Complimentary Visa Signature Concierge for travel, dining and event bookings
Whether you’re dining out, hitting the road or enjoying your favorite shows, the Autograph® Card rewards your everyday spend with 3X points while charging no yearly fee. Points never expire and can be redeemed for travel, gift cards or statement credits—or transferred to select airline partners for maximum value. Plus, enjoy a full year of interest‑free purchases and robust protection benefits to keep you covered around the clock.
Terms apply. Bonus points and benefits require qualifying purchases. Ongoing APR of 19.24%–29.24% variable applies after intro period. See issuer for full details.
Rewards
All Spending
1x
Wells Fargo Rewards pts per dollar
Gas
3x
Wells Fargo Rewards pts per dollar
Transit
3x
Wells Fargo Rewards pts per dollar
Travel
3x
Wells Fargo Rewards pts per dollar
Streaming
3x
Wells Fargo Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
43,200
Wells Fargo Rewards/yr
Estimated Value
$432
After Fees
+$432
1st Year Value
$632
incl. welcome bonus
Breakdown
Perks & Benefits
Concierge
24/7
Additional Benefits
Purchase Protection
Mobile Device
Up to $600
Auto Rental Collision (secondary, primary abroad)
Up to $50,000 / 15 days
Terms & Conditions
Card Features
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 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. 19.24%, 24.24%, or 29.24% Variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. 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.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Wells Fargo. All trademarks are property of their respective owners.