Wells Fargo Autograph℠ Card: A Comprehensive Review

Earn big with no annual fee: travel, dining, and more!

Wells Fargo Autograph℠ Card: A Comprehensive Review


  • Bonus Points: Earn 20,000 bonus points after spending $1,000 in the first 3 months, equivalent to a $200 cash redemption value.
  • Earning Potential: Unlimited 3X points on dining, travel, gas, transit, streaming services, and phone plans. 1X points on other purchases.
  • Introductory APR: 0% intro APR for 12 months on purchases, with a variable APR of 20.24% to 29.99% thereafter.
  • Annual Fee: $0, making it cost-effective for frequent users.

Additional Benefits

  • Cellular Telephone Protection: Up to $600 protection against damage or theft, subject to a $25 deductible.
  • Travel Benefits:
    • Auto rental collision damage waiver.
    • Emergency assistance services.
    • Roadside Dispatch®.
  • Exclusive Access: Tickets to live events, and benefits through Visa Signature® Luxury Hotel Collection.


  • Flexibility: Points can be redeemed for travel, gift cards, or purchases, starting from as low as $1.
  • Shopping Advantages: Pay with Rewards through PayPal, and access My Wells Fargo Deals for cashback.
  • Security: Zero Liability protection ensures you are not held responsible for unauthorized transactions.


  • Credit Score Impact: Requires good credit; not ideal for building or repairing credit.
  • Complex Rewards Structure: Multiple categories and terms may confuse less savvy users.
  • Foreign Transaction Fee: No fee for international transactions, beneficial for travelers but irrelevant for others.

Product Summary

The Wells Fargo Autograph℠ Card offers robust rewards, multiple protection features, and exceptional access to exclusive events, making it a strong contender in no-annual-fee credit cards. It suits those who frequently spend across its rewarded categories and can manage the various benefits efficiently.

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