Wells Fargo Autograph® Card 2025: No Fee, High Rewards Card For Those On The Go

• Wells Fargo Autograph Review: Why it Goes Everywhere I Go
• Wells Fargo Autograph Rates and Fees
• Wells Fargo Autograph Card Rewards
• Wells Fargo Autograph Card Benefits
• How To Maximize Wells Fargo Autograph Rewards
• How the Wells Fargo Autograph Card Stacks Up
• Is the Wells Fargo Autograph Card for You?
• Methodology
• Frequently Asked Questions (FAQs)

Whether you’re an explorer, commuter or wanderer—anyone going somewhere can expect to be generously rewarded by the Wells Fargo Autograph® Card. Several cards offer bonus rewards for booking in their respective travel portals, but Autograph cardholders earn 3 points per dollar at restaurants, travel, gas stations, transit, popular streaming services and phone plans, 1 point per dollar on other purchases. It offers 3 points per dollar for purchases with travel agents, timeshares, discount travel sites and even campgrounds.

Whether at home or abroad, dining out won’t be an issue either since these purchases reap 3X points as well, and there are no foreign transaction fees. Commuters earn at the same elevated rate whether traveling by train, taxi or fueling up at the pump.

The welcome bonus is easily attainable: Earn 20,000 bonus points after spending $1,000 in purchases in the first 3 months.

Often overlooked benefits, such as cellphone protection (up to $600 against damage or theft, subject to a $25 deductible) and an auto rental collision damage waiver, can save you money and heartache when the unexpected happens. I recently saved over $500 with cellphone protection when my phone accidentally went for a swim. The claims process was simple, and after my submission was approved, I quickly received a check.

Interest Rates

• Regular APR: 19.24%, 24.24%, or 29.24% Variable APR
• Purchase intro APR offer: 0% intro APR for 12 months from account opening
• Balance transfer intro APR offer: N/A

Wells Fargo Autograph Fees

• Annual fee: $0
• Balance transfer fee: up to 5%, min: $5
• Foreign purchase transaction fee: None

Earning Rewards

The Wells Fargo Autograph® Card earns

• 3 points per dollar at restaurants, travel, gas stations, transit, popular streaming services and phone plans
• 1 point per dollar on other purchases

It also includes a welcome bonus for eligible new applicants of 20,000 bonus points after spending $1,000 in purchases in the first 3 months.

Here’s what counts for the 3X rewards categories:

• Dining: Eating places and restaurants, drinking places, fast food and caterers
• Travel: Airlines, hotels/motels, campgrounds, timeshares, cruise lines, travel agencies, discount travel sites and vehicle/auto rentals
• Transit: Ferries, parking lots and garages, limousines, taxis, passenger railways, toll bridges and highways
• Fuel and charging stations: Automated fuel dispensers, electric vehicle charging stations and gas stations
• Entertainment: Books, music continuity/subscription services, streaming services considered cable and other pay television, digital goods and movies
• Phone plans: Landline and cellphone providers

Note that while the Autograph’s bonus categories cover a wide range of expenses, grocery store purchases are a prominent exception. If you’re specifically looking for a rewards card that offers bonus rewards at supermarkets, check out our list of the best credit cards for groceries.

Redeeming Rewards

Wells Fargo Rewards earned with the Autograph card can be redeemed for travel, gift cards, as a statement credit or at select online stores. You can also redeem your earnings as a credit toward a qualified Wells Fargo loan (like a mortgage or personal loan).

Wells Fargo entered the travel rewards space by announcing the introduction of points transfers when it launched the Wells Fargo Autograph Journey℠ Card (rates & fees). Both the Autograph card and the Autograph Journey offer cardholders the chance to transfer rewards to a budding list of airline and hotel loyalty programs.

Rewards Potential

To find out how rewarding the Wells Fargo Autograph® Card could be, we consider what an average household might spend on a credit card each year. Forbes Advisor uses data from various government agencies to determine baseline income and spending averages across various categories. The 70th percentile of wage earners in a household brings in $127,200 annually and has $40,398 in expenses that can be reasonably charged to a credit card each year.

Wells Fargo Autograph® Card Rewards Potential

Category	Earning Rate	Estimated Annual Spend	Estimated Annual Earnings
Restaurants, Travel, Gas, Transit, Streaming and Cellphone Plans	3X	$19,817	59,451
All Other Purchases	1X	$20,581	20,581
			Total: 80,032 points

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The average household could earn 80,032 points or $800.32 in a year from the Wells Fargo Autograph® Card.

Wells Fargo Autograph Purchase Benefits

• Cellphone protection. When your cellphone bill is paid with your card, you can get cellphone protection for up to $600 against damage or theft with a $25 deductible.
• Zero Liability protection. You’re not liable for any unauthorized transactions charged to your card that are reported promptly.
• My Wells Fargo Deals. Get access to targeted deals from a variety of merchants.
• Autograph Card Exclusives. Get tickets to exclusive live events.
• Visa Signature® Concierge service. Get help finding tickets to top sports and entertainment events, booking travel or making dinner reservations with complimentary concierge service.
• No foreign transaction fees. Don’t worry about paying extra fees when traveling internationally or shopping on international websites.

Wells Fargo Autograph Travel Benefits

• Auto rental collision damage waiver. Get secondary coverage in the event of theft or damage when you use the card to book and decline coverage from the rental car company.
• Travel and emergency assistance services. Cardholders can call 1-800-992-6029 to get emergency assistance and referral services to help in case of an emergency while traveling.
• Roadside Dispatch®. Cardholders can call 1-800-847-2869 to reach a 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when needed. Fees apply.
• Visa Signature® Luxury Hotel Collection. Enjoy premium benefits at select properties worldwide.

Wells Fargo Autograph Credit Monitoring Benefits

• Credit Close-Up®. Track your FICO Score and receive monthly updates with insights for how to understand, maintain or raise your score.

One of the best ways to maximize the Wells Fargo Autograph card is to take full advantage of its 3X earning categories with all your everyday spending. Consider these strategies to make the most of your Autograph card:

• Consider making it the default payment method for your cellphone bill, streaming services and food delivery apps. You’ll also get cellphone protection when paying your bill with the card.
• Add the card to your digital wallet so it’s easy to use for things like public transit, rideshare apps and other online purchases that fall under the 3X categories.
• Book travel with the card to earn 3X rewards in this broad category.

Transfer Partners

One of the last large issuers to enter the travel rewards space, Wells Fargo introduced point transfers in 2024. Points transfer to all partners at a 1:1 ratio, except for Choice Privileges, which transfers 1:2. Here is the full list:

Airline Partners

• Aer Lingus AerClub (1:1)
• Air France-KLM Flying Blue (1:1)
• Avianca LifeMiles (1:1)
• British Airways Executive Club (1:1)
• Iberia Plus (1:1)
• Virgin Atlantic Flying Club (1:1)

Hotel Partner

• Choice Privileges (1:2)

You may have noticed there are no domestic airline partners listed above. Still, savvy travelers or those willing to invest a little time learning can utilize airline alliances to book domestic flights via international airline partners. For example, Autograph cardholders can transfer rewards to British Airways Executive Club and book American Airlines flights because the two carriers are part of the Oneworld alliance. Wells Fargo also shared that more partners will be added over time.

Wells Fargo Autograph® Card vs. Chase Freedom Unlimited®

One card that will give the Autograph a run for its bonus money is the Chase Freedom Unlimited®. It earns 5% cash back on travel purchased through Chase Travel℠, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases. The Autograph card offers more varied bonus categories, but the high base rate earnings of the Freedom Unlimited can add up fast.

The intro APR on the Freedom Unlimited beats that of the Autograph, as it’s longer and applies to purchases and balance transfers: Get a 0% introductory APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% to 28.49% applies. An intro transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies in the first 60 days of account opening. After that, a fee of either $5 or 5% of the amount of each transfer applies. The Freedom Unlimited doesn’t offer transfers to airlines and hotels unless its points are combined with a premium Chase card.

Wells Fargo Autograph® Card vs. Wells Fargo Active Cash® Card

If you want to go all in with Wells Fargo, the Wells Fargo Active Cash® Card (rates & fees) could be the perfect partner with its unlimited 2% cash rewards on purchases. It also offers a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% (min. $5) then a fee of up to 5% (min. $5) applies. Still on the fence? Take a closer look at our analysis of the Wells Fargo Autograph vs. Wells Fargo Active Cash.

Wells Fargo Autograph® Card vs. Wells Fargo Autograph Journey℠ Card

If you want to take your travel earnings and redemptions to the next level, and you’re open to a moderate $95 annual fee, the Wells Fargo Autograph Journey℠ Card (rates & fees) may be worth considering. It earns 5 points per dollar on hotels, 4 points per dollar on airlines, 3 points per dollar on other travel and restaurants and 1 point per dollar on other purchases.

The welcome bonus has a much higher spending requirement, but if you can reach it with your typical spending, it could take some of the sting out of the annual fee. New cardholders can earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening.

As more of a true travel rewards card, the Autograph Journey offers common carrier travel accident insurance, lost baggage reimbursement, an auto rental collision damage waiver and trip cancellation/interruption coverage. It also includes a $50 annual statement credit with airline purchases of at least $50, covering some of the annual fee. Cardholders of the Autograph Journey can also transfer points to airline and hotel partners.

The Wells Fargo Autograph® Card could be a great fit for anyone who frequently spends in its 3X bonus categories, and especially for those who want the flexibility to transfer points to travel partners. However, if you’d like to earn bonus rewards at grocery stores or want access to domestic airline transfer partners, you might find better value with other rewards credit cards.

Flexible rewards cards like the Wells Fargo Autograph Card are graded based on numerous factors, including:

• Annual fees
• Welcome bonus offers
• Ongoing earning rates
• Value of individual points
• Included travel and consumer benefits
• Foreign transaction fees

We give greater weight to the card features we believe cardholders will use most frequently. These factors combine to generate a star rating for each card.

To learn more about our rating and review methodology and editorial process, check out our guide on how Forbes Advisor rates credit cards.