Wells Fargo Autograph Card overview: Full particulars

The Wells Fargo Autograph® Card (see charges and charges) gives bonus factors in widespread spending classes, simple redemptions at a flat charge and several other priceless advantages that are not widespread on playing cards with no annual charge. Card ranking*: ⭐⭐⭐

*Card ranking 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 choice for individuals who need a bank card with no annual charge, journey and purchasing protections and a high quality incomes construction. Further 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 charge means there is no value for retaining it in your pockets, so you may take pleasure in advantages like cellphone safety and complimentary entry to your credit score rating for no added value, amongst different perks. We advocate a credit score rating of 670 or increased for this card.

Here is a more in-depth 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 accordance with TPG’s July 2025 valuation, Wells Fargo factors are value 1.6 cents per level, making this provide value $320 when redeemed for journey.

It is value noting that almost all Wells Fargo bank card functions have the next phrases:

Chances are you’ll not qualify for a further Wells Fargo-branded bank card when you have opened a Wells Fargo-branded bank card within the final 6 months.

Earlier than making use of for a Wells Fargo card, be certain that it has been a minimum of six months because the final time you opened a card with them. Take into account that Wells Fargo could contemplate different elements, like what number of complete credit score accounts you’ve got opened lately, when contemplating your utility.

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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 maintain that stat in thoughts as nicely when deciding when to use.

Associated: The final word information to bank card utility restrictions

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

The Visa Signature Luxurious Resort Assortment gives elitelike advantages on resort bookings made by its program, together with room upgrades on arrival (when out there), 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 can assist 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 harm waiver on leases if you pay for your entire transaction together with your card, 24/7 roadside dispatch, journey and emergency companies help and free entry to your FICO credit score rating.

You may additionally obtain as much as $600 of cellphone safety in opposition to 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 strong vary of advantages for a no-annual-fee card.

Associated: Evaluating Visa Signature and World Elite Mastercard advantages

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

• 3 factors per greenback spent on eating (consists of takeout, catering and meals supply companies)
• 3 factors per greenback spent on journey (airfare, motels, automotive leases, cruises and extra)
• 3 factors per greenback spent at fuel stations and electrical car charging stations,
• 3 factors per greenback spent on transit, eligible streaming companies and cellphone plans
• 1 level per greenback spent on different purchases

On condition that, in line with TPG’s July 2025 valuation, Wells Fargo factors are value 1.6 cents every, you may 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 most effective rewards bank cards for every bonus class

You will have a number of choices for redeeming your factors at wellsfargo.com/rewards. You possibly can redeem them at a worth of 1 cent apiece as a press release credit score, for present playing cards (in $25 increments), or to guide journey, reminiscent of flights, rental vehicles or resort stays.

You may as well redeem factors as a credit score to a qualifying Wells Fargo bank card, checking account or mortgage. Plus, you may 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 should guess what your factors will likely be value if you use them. Utilizing these redemption choices means you may all the time get a worth of 1 cent per level.

On the detrimental aspect, these aren’t the most effective redemption choices, since you will get extra worth out of your factors by making the most of Wells Fargo’s switch companions.

Associated: Wells Fargo Rewards program: Find out how to earn, redeem and switch factors

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

Whereas this record is not almost so long as different credit score issuers’, it is nonetheless a wide variety. Wells Fargo will seemingly add further companions sooner or later, so maintain an in depth eye on this record.

Associated: Bank card switch companions: Information to transferring factors and miles to airways and motels

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

For extra choices, try our full record of the greatest journey playing cards.

Learn extra: Chase Sapphire Most popular vs. Capital One Enterprise Rewards

The Wells Fargo Autograph is greatest for individuals 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 number of switch companions, making it an incredible match for journey rookies and fanatics alike.

These searching for a card with no annual charge and entry to switch companions could benefit from the Wells Fargo Autograph. In case you’re searching for a card that provides extra switch companions, nonetheless, going with one other issuer, like Chase or Capital One, makes extra sense.

Apply right here: Wells Fargo Autograph