Pros and cons of Wells Fargo Autograph℠

Elevated rewards rate in bonus categories like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Low base earning rate of only 1X points on other purchases.
No annual fees and no foreign transaction fees, making it ideal for travelers.No intro APR offer on qualifying balance transfers.
Provides cell phone protection.

Hidden perks

1. Cellphone protection: Get coverage up to $600 and a low $25 deductible when paying your cellphone bill with the card. 

2. Visa Signature benefits: Access additional travel and emergency services, roadside dispatch, and Visa Luxury Hotel Collection perks. 

Comparing Wells Fargo Autograph with similar cards

Wells Fargo Autograph®

Apply now with Wells Fargolock-icon
Reward rate1x - 3x
Reward detailsEarn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on all other purchases
Intro Bonus:30,000 Points Annual fee$0
Regular APR20.24% - 29.99%
Read full review

Chase United Explorer®

Reward rate1x - 2x
Reward details2 miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges. 2 miles per $1 spent on dining, including eligible delivery services. 2 miles per $1 spent on hotel accommodations when purchased directly with the hotel. 1 mile per $1 spent on all other purchases. 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card.
Intro Bonus:50,000 Miles Annual fee$95
Regular APR21.49% - 28.49%

Discover it® Miles

Apply now with Discoverlock-icon
Reward rate1.50%
Reward details1.5X Miles on every dollar of every purchase
Intro Bonus:Equal to the cashback you earn in first year Annual fee$0
Regular APR16.24% - 27.24%
Read full review

Beyond the basics

Balance transfer intro APR No introductory APR for balance transfers.
Cash advance APR 29.99%
Foreign transaction fees 3% of each transaction converted to US dollars.
Loan APR None
Late payment fee Upto $40
Penalty APR None
Credit score required 670+ (Good – Excellent)

Other Offers

  • Card Security FeaturesEnjoy zero liability protection and chip-enabled security.
  • Contactless paymentExperience convenient and secure contactless transactions.

What we like about this card

Rewarding benefits program

The Wells Fargo Autograph Card doesn't just offer style and security; it's also a gateway to a rewarding benefits program. Cardholders can enjoy a range of perks, including cashback rewards, travel benefits, and exclusive discounts with partner merchants. The comprehensive rewards program adds significant value to the overall cardholder experience.

Customized Autograph feature

One of the standout features that immediately captures attention is the Autograph feature, allowing cardholders to add a personalized touch to their card. This not only enhances the aesthetics but also adds a layer of uniqueness and ownership to the Wells Fargo Autograph Card. The ability to showcase a signature, a favorite doodle, or a personal insignia transforms the card into a reflection of individual style.

Robust security features

Wells Fargo has prioritized the security of its Autograph Card users. The card comes equipped with advanced security features, including real-time fraud monitoring and alerts, ensuring that users can confidently engage in transactions without constant concern for the safety of their financial information.

User-friendly mobile app

Keeping up with the digital age, Wells Fargo provides Autograph Card users with a user-friendly mobile app. The app allows for easy management of transactions, monitoring of spending patterns, and quick access to account information. The intuitive interface ensures that even those new to digital banking can navigate with ease.

No annual fee

Unlike some credit cards that come with hefty annual fees, the Wells Fargo Autograph Card offers its impressive array of features without burdening users with an annual fee. This cost-saving aspect makes it an attractive choice for those seeking value in their credit card without sacrificing functionality. 

Drawbacks and considerations

Foreign transaction fees

For those who frequently travel internationally, the Wells Fargo Autograph Card's foreign transaction fees can be a drawback. The additional charges for transactions made in foreign currencies may offset some of the card's benefits for globetrotters.

Variable APR

As with many credit cards, the Wells Fargo Autograph Card comes with a variable APR. Potential cardholders should be aware that the interest rate may fluctuate based on market conditions and creditworthiness, and compared to other cards on the market, the Autograph Card’s rates are relatively high.

Credit score requirements

While the Wells Fargo Autograph Card offers a range of attractive features, obtaining it may require a relatively higher credit score. Individuals with limited or average credit histories may find it challenging to qualify for this particular card. Prospective applicants should check their credit scores and assess eligibility before applying.

Customer service reviews

Some users have reported mixed reviews regarding Wells Fargo's customer service. While many customers have positive experiences, others have expressed concerns about responsiveness and issue resolution. Prospective cardholders may want to consider this aspect and evaluate their comfort level with the available customer support.

How to decide if this card is right for you

Choosing a credit card is a personal decision that depends on various factors, including your financial habits, preferences, and priorities. As you consider the Wells Fargo Autograph Card, here are key considerations to help you determine if this card aligns with your needs

Spending habits and rewards preferences

Assess your spending patterns and evaluate whether the rewards offered by the Wells Fargo Autograph Card match your preferences. For example, do your top spending categories align with the 3x rewards categories? If the cashback rewards, travel perks, and discounts with partner merchants align with your lifestyle, it could be a valuable addition to your wallet.

Credit score eligibility

Check your credit score to ensure you meet the eligibility requirements for the Wells Fargo Autograph Card. This card typically targets individuals with good to excellent credit scores. If your credit history falls within this range, you're more likely to qualify for the card and its associated benefits.

International travel needs

If you frequently travel internationally, consider the impact of foreign transaction fees on your overall expenses. If the fees are a concern, you may want to explore credit cards with more favorable terms for international transactions.

Interest rate sensitivity

Evaluate your stance on variable APR and interest rates. If you are sensitive to fluctuations in interest rates, you might want to consider how the variable APR of the Wells Fargo Autograph Card aligns with your financial goals. If you plan to carry a balance, a card with a lower fixed-rate option might be more suitable.

Comfort with Wells Fargo's services

Research and assess your comfort level with Wells Fargo as a financial institution. If you appreciate the convenience of their online and mobile banking services and find their security measures reassuring, it adds to the overall appeal of the Wells Fargo Autograph Card.

Ways to maximize the benefits of this card

Transfer your points to Wells Fargo transfer partners

Wells Fargo has airline and hotel partners including Choice Privileges, Air France-KLM Flying Blue, avianca lifemiles, British Airways Executive Club, AerClub, and Iberia Plus. You can share, pool, and transfer your rewards across accounts and with these travel partners, allowing you to maximize your earnings.

Earn on bonus categories

The Autograph card offers 3x points on dining, travel, gas, transit, popular streaming services, and cell phone plans. Use your Autograph card for purchases in these categories to maximize rewards.

Use for large purchases

This card has a 0% intro APR on purchases for 12 months. Use the card to make large purchases during this time to earn more rewards and avoid interest charges.

Pay off your balance monthly

Avoid paying interest by paying off your balance in full each month. This way, you can enjoy the rewards without accruing additional charges.

Redeem valuable rewards

Choose the redemption option that provides the most value for your points. Options include statement credits, travel rewards, gift cards, or merchandise.

Check for sign-up bonuses

The Autograph card offers 20,000 bonus points when you spend $1,000 in the first three months (a $200 cash redemption value). Make sure to meet the spending requirement within the specified time frame to earn the bonus points.

Combine with other Wells Fargo cards

If you have other Wells Fargo credit cards that earn cash back, consider combining your points from multiple cards to maximize your rewards potential.

How to redeem your rewards with Wells Fargo Autograph

To redeem your rewards with the Wells Fargo Autograph credit card, follow these steps:

1. Log in to your account: Visit the Wells Fargo website and log in to your online account.

2. Navigate to the rewards section: Once logged in, navigate to the rewards section of your account. Look for the option to redeem your rewards.

3. Choose redemption option: Select how you would like to redeem your rewards. Options may include statement credits, deposits into your Wells Fargo account, gift cards, merchandise, or travel.

4. Enter redemption details: Depending on your chosen redemption option, you may need to enter additional details such as the amount to redeem or the specific item you want to purchase.

5. Confirm redemption: Review your redemption details and confirm your choice. Once confirmed, your rewards will be applied according to your chosen redemption method.

6. Check for confirmation: After redeeming your rewards, check your account for a confirmation of the redemption. This will ensure that your rewards were successfully applied. Keep an eye on your rewards balance to track how much you’ve earned and how much you have available to redeem in the future.

What users are saying about this card

When comparing the Wells Fargo Autograph℠ Card to other credit cards in your wallet, one of the key areas to look at is the rewards rate. The Autograph℠ Card offers an impressive 3x points on all eligible travel and dining purchases, making it a top choice for frequent travelers and foodies alike. This is higher than many other credit cards on the market, which typically offer 1-2x points on these categories. However, it's important to note that the Autograph℠ Card does have a $95 annual fee, so you'll want to make sure you're spending enough in these bonus categories to offset the cost.

Read more
Shaun Martin

Founder & CEO, Sell My House Fast

When it comes to rewards rate, the Wells Fargo Autograph℠ Card offers 1.5% cash back on all purchases, with the option to earn up to 10% bonus points when you use your card at participating merchants. This is a competitive rate compared to other cash-back credit cards, but there may be other cards that offer higher rewards in certain categories like groceries or travel. As for the annual fee, the Wells Fargo Autograph℠ Card has a $0 annual fee, making it a great option for those looking to avoid extra costs. However, there are other cards that also have no annual fees and may offer more benefits or rewards. It's important to consider your spending habits and the potential rewards you can earn when deciding if this card is right for you. The APR of the Wells Fargo Autograph℠ Card varies depending on your creditworthiness, but it ranges from 13.49% to 26.99%. While this may not be the lowest APR available, it's on par with other similar credit cards. If you tend to carry a balance on your credit card, it's important to compare the interest rates and fees of different cards before making a decision. In terms of recommendations, the Wells Fargo Autograph℠ Card may be a good choice for those who want a simple and straightforward cash-back credit card with no annual fee. It's also ideal for individuals who frequently shop at participating merchants where they can earn bonus points.

Read more
Keith Sant

Founder & CEO, Kind House Buyers

There are several factors to consider when comparing the Wells Fargo Autograph℠ Card to other credit cards in your wallet. These include the rewards rate, annual fee, and APR. One major factor to consider when choosing a credit card is the rewards rate. The Wells Fargo Autograph℠ Card offers a competitive rewards program, with 3 points per $1 spent on eligible travel purchases and 1 point per $1 spent on all other purchases. This is comparable to other popular travel credit cards, such as the Chase Sapphire Preferred or Capital One Venture Rewards. However, if you are someone who doesn't travel frequently, this may not be the best card for you. Other credit cards may offer higher rewards rates in categories that align more with your spending habits, such as groceries or gas. Another important factor to consider is the annual fee. The Wells Fargo Autograph℠ Card has an annual fee of $0 for the first year and $49 each year after that. This is relatively low compared to other premium travel credit cards, which can have annual fees upwards of $450. However, if you are someone who doesn't travel often, the annual fee may not be worth it for you. In this case, a credit card with no annual fee or a lower annual fee may be a better option. Finally, it's important to look at the APR (annual percentage rate) when comparing credit cards. The Wells Fargo Autograph℠ Card has an introductory APR of 0% for the first 12 months on purchases and balance transfers, followed by a variable APR of 15.99%-27.99%. This can be beneficial if you plan to make a large purchase or transfer a balance, but it's important to pay off your balance in full each month to avoid high interest charges.

Read more
Matt Teifke

CEO, Teifke Real Estate

When comparing credit cards, it's important to look at the rewards rate, annual fee, and APR. These factors can greatly impact the value of a credit card for different types of users. The Wells Fargo Autograph℠ Card offers a generous rewards rate of 3 points for every dollar spent on gas, groceries, and drugstore purchases during the first six months. After that, the rewards rate drops to 1 point for every dollar spent. This is a great perk for users who frequently make purchases in these categories. However, for those who don't spend much on gas, groceries, or drugstore items, this may not be as valuable. In terms of the annual fee, the Wells Fargo Autograph℠ Card charges $0 for the first year and $49 for every subsequent year. This is a relatively low annual fee compared to other credit cards on the market. For users who don't want to pay a high fee just to have a credit card, this could be a great option. However, it's important to note that the APR for the Wells Fargo Autograph℠ Card can range from 15.49% to 27.49%, depending on creditworthiness. This is higher than some other credit cards, which may offer lower interest rates. For users who plan on carrying a balance and need a lower APR, this card may not be the best choice. Overall, the Wells Fargo Autograph℠ Card can be a great option for specific types of users, such as those who frequently make purchases in the bonus categories and are looking for a low annual fee.

Read more
Brandon Beatty

Founder & CEO, Southern Hills Home Buyers

How this card helps the environment along with you

The Wells Fargo Autograph credit card not only offers great rewards but also contributes to a positive environmental and social impact. Here’s how:

1. Environmental impact: Wells Fargo is committed to reducing its environmental footprint. The company has implemented various initiatives to promote sustainability, such as reducing paper usage, increasing energy efficiency, and supporting renewable energy projects.

2. Social responsibility: Wells Fargo is dedicated to social responsibility and community development. The company supports a wide range of social initiatives, including affordable housing programs, financial education, and community development projects.

3. Governance practices: Wells Fargo upholds strong governance practices, ensuring transparency, accountability, and ethical conduct in its operations.

4. Impact investing opportunities: Wells Fargo offers impact investing opportunities through its investment products and services. These opportunities allow you to invest in companies and projects that have a positive impact on society and the environment.

Found a prefect pair

Pair your Wells Fargo Autograph with Citi® Double Cash Card

Citi® Double Cash Card

Apply now with Citi

An ideal companion for the Autograph Card is a robust cash back credit card, like the Citi® Double Cash Card. The reason for this pairing is that while the Wells Fargo Autograph Card offers valuable points on categories like travel, dining, and popular streaming services, it may not provide high rewards for everyday non-category spending. The Citi® Double Cash Card fills this gap effectively by offering a simple yet powerful cash back reward structure: 1% when you buy plus 1% as you pay, effectively yielding 2% cash back on all purchases. This combination allows users to earn substantial rewards on their specialized spending with the Autograph Card while also maximizing returns on all other purchases with the Citi® Double Cash Card.

Apply now with Citi


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  1. Annual Percentage Rate (APR): Assess the interest rates charged on outstanding balances.
  2. Annual fees: Evaluate the cost of owning the credit card, including any annual fees.
  3. Rewards and benefits: Examine rewards programs, cashback offers, travel perks, and other cardholder benefits.
  4. Introductory offers: Analyze introductory APR, balance transfer offers, and sign-up bonuses.
  5. Credit limit: Consider the card’s credit limit and its suitability for different financial needs.
  6. Fees and penalties: Review late fees, foreign transaction fees, and other charges.
  7. Credit score requirements: Determine the credit score needed to qualify for the card.
  8. Customer service: Research the quality and accessibility of customer support.
  9. Security features: Assess security measures such as fraud protection and chip technology.

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The Wells Fargo Autograph Card may have some features that appeal to travelers, but it’s essential to carefully consider the specific needs of frequent travelers before determining if it’s an ideal choice. For example, global acceptance, security features, and 3x rewards on travel purchases are benefits, but foreign transaction fees and limited additional travel benefits are a disadvantage.

The credit limit on the Wells Fargo Autograph Card, like with any credit card, varies from individual to individual. Credit limits are determined based on various factors, including the applicant’s credit history, income, and other financial considerations. When you apply for the Wells Fargo Autograph Card, the bank will assess your creditworthiness and financial situation to determine an appropriate credit limit for your account. If you’re approved for the card, the assigned credit limit will be communicated to you.

The difficulty of getting approved for a Wells Fargo Autograph Card, or any credit card for that matter, depends on various factors, primarily your creditworthiness. Here are some factors that may influence the approval process. Typically, consumers must have good to excellent credit to qualify for the Autograph card.

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