Wells Fargo Autograph℠ Card Review: Great Travel Perks with No Annual Fee

In the dynamic landscape of financial services, where innovation and customer-centric solutions are paramount, Wells Fargo has consistently been at the forefront. Among its array of offerings, it stands out as a unique and personalized option with its opportunity to earn rewards, standout features, $0 annual fee, enticing introductory APR, welcome bonus, and more.

Written by : Updated On: January 23

The basics

Reward Rate




Travel and transit


Gas stations and EV charging


Streaming and phone plans


Other purchases


Key Features:

Annual Fee


Intro APR

Promotional APR on balance transfers and purchases. Duration and terms may vary.

Regular APR

Ranges from 20.24% to 29.99%, based on creditworthiness.

Signup Bonus


Get 30,000 points upon meeting requirements.

Redemption Ways


Choose from statement credits, cash back deposits, travel bookings, merchandise purchases, or gift cards.

Our Verdict

If you travel often for work, this card should be strongly considered. This is not for the traveler that cares only about luxury but wants rewards for basics like restaurants, gas stations, streaming plans, and transit. Plus, the $0 annual fee is pretty darn nice. But if you are looking for perks like that of an airline or hotel card, this isn’t it.

In addition to the $0 annual fee, it has an enticing introductory APR, attractive signup bonus, and versatile redemption options. The introductory APR provides an opportunity to take advantage of a lower interest rate for a specified period, making it advantageous for balance transfers or substantial purchases. And that extremely attractive 30,000-point signup bonus has impressive redemption value.

Best Suited for:



Travel is your middle name. When you aren’t taking advantage of transit for your daily commute in the form of cabs, rideshares and trains, you are looking for a weekend escape. And if there is an opportunity to go somewhere, you take it. You are into earning miles, getting hotel upgrades, eating out and making sure your car is always fueled.

Broad reward categoriesLimited point value
Versatile reward redemptionLack of transfer partners
Solid welcome bonus

Hidden perks

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

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

Comparing Wells Fargo Autograph® with a similar card

Discover it® Miles

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

Wells Fargo Autograph®

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

Beyond the basics

Balance Transfer Intro APR

No introductory APR for balance transfers.

Cash Advance APR

Check with Wells Fargo for the current cash advance APR.

Foreign Transaction Fee

3% of each transaction converted to US dollars.

Loan APR

No loan APR offered.

Late Payment Fee

Up to $40 fee for overdue payments.

Penalty APR

No penalty APR specified.

Credit Score Required

A credit score of 670+ is recommended.

Other Offers

Experience convenient and secure contactless transactions.

Enjoy zero liability protection and chip-enabled security.


What we like about this card

1. 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.

2. 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.

3. 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.

4. 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.

5. 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

1. 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.

2. 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.

3. 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.

4. 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:

1. 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.

2. 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.

3. 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.

4. 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.

5. 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.


Pair this card with:

Citi® Double Cash Card


Pairing the Wells Fargo Autograph Card with another credit card can maximize the benefits and rewards for various spending categories. 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, ensuring a well-rounded approach to earning rewards across various spending habits.

Apply now: Citi® Double Cash Card

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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.