Wells Fargo Autograph Card review: Full details

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

*Card rating 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 possibility for individuals who need a bank card with no annual payment, journey and purchasing protections and a top 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 payment means there is not any value for holding it in your pockets, so you possibly can get pleasure from advantages like cellphone safety and complimentary entry to your credit score rating for no added value, amongst different perks. We advocate a credit score of 670 or larger for this card.

This is a more in-depth take 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 response to TPG’s July 2025 valuation, Wells Fargo factors are price 1.6 cents per level, making this provide price $320 when redeemed for journey.

It is price noting that the majority Wells Fargo bank card purposes have the next phrases:

You might not qualify for a further Wells Fargo-branded bank card if in case 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 at the least six months for the reason that final time you opened a card with them. Needless to say Wells Fargo could contemplate different elements, like what number of complete credit score accounts you have opened just 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 previously 24 months, so preserve that stat in thoughts as effectively when deciding when to use.

Associated: The ultimate guide to credit card application restrictions

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

The Visa Signature Luxurious Resort Assortment supplies elitelike advantages on hotel bookings made by means of 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 along with your card. Advantages embody a secondary auto rental collision damage waiver on leases while you pay for the complete transaction along 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 protection towards injury or theft while you pay your month-to-month invoice with the Autograph Card. Nevertheless, there’s a $25 deductible per declare and a restrict of two claims in a 12-month interval. Notice that this safety doesn’t cowl misplaced or lacking cellphones.

Whilst you will not get lounge entry or assertion credit with this card, this can be a stable vary of advantages for a no-annual-fee card.

Associated: Comparing Visa Signature and World Elite Mastercard benefits

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

• 3 factors per greenback spent on dining (contains takeout, catering and meals supply companies)
• 3 factors per greenback spent on journey (airfare, motels, automobile leases, cruises and extra)
• 3 factors per greenback spent at gas stations and electrical automobile charging stations,
• 3 factors per greenback spent on transit, eligible streaming services and telephone plans
• 1 level per greenback spent on different purchases

Provided that, based on TPG’s July 2025 valuation, Wells Fargo factors are price 1.6 cents every, you may get a 4.8% return in your spending in these bonus classes.

It is uncommon to see telephone plans as a bonus class on a private card. Usually, that class pops up on enterprise playing cards.

Associated: The best rewards credit cards for each bonus category

You may have a number of choices for redeeming your factors at wellsfargo.com/rewards. You may redeem them at a price of 1 cent apiece as an announcement credit score, for reward playing cards (in $25 increments), or to e-book journey, comparable to flights, rental vehicles or resort stays.

You can even redeem factors as a credit score to a qualifying Wells Fargo bank card, checking account or mortgage. Plus, you possibly can pay with factors at taking part retailers, together with PayPal.

There are positives and negatives to those redemption choices.

On the plus facet, you by no means should guess what your factors might be price while you use them. Utilizing these redemption choices means you may at all times get a price of 1 cent per level.

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

Associated: Wells Fargo Rewards program: How to earn, redeem and transfer points

With the Wells Fargo Autograph, you’ll get pleasure from entry to transfer partners to maximise the worth of your factors. Wells Fargo has the next switch companions:

Whereas this record is not practically so long as different credit score issuers’, it is nonetheless a wide variety. Wells Fargo will doubtless add further companions sooner or later, so preserve a detailed eye on this record.

Associated: Credit card transfer partners: Guide to transferring points and miles to airlines and hotels

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 comparable incomes constructions.

For extra choices, take a look at our full record of the best travel cards.

Learn extra: Chase Sapphire Preferred vs. Capital One Venture Rewards

The Wells Fargo Autograph is finest 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 top quality collection of switch companions, making it an important match for journey freshmen and fanatics alike.

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

Apply right here: Wells Fargo Autograph