At a Glance

Welcome to the comprehensive guide unveiling the diverse array of perks and advantages encapsulated within the Wells Fargo Autograph Benefits program. Delve into this detailed breakdown, exploring the myriad of exclusive offerings, rewards, and privileges tailored to enhance your banking experience with Wells Fargo.

In this article, you’ll learn:


The Wells Fargo Autograph Card stands out as a premium banking option that combines exclusive benefits with tailored financial services. Offering a spectrum of personalized perks and rewards, this card caters to high-net-worth individuals seeking comprehensive wealth management solutions.

With access to dedicated relationship managers, concierge services, travel benefits, and a suite of exclusive privileges, the Autograph Card elevates the banking experience. Its focus on personalized financial guidance, combined with elite offerings, positions it as a compelling choice for those looking for a holistic and refined banking experience.

Protip Thomas Brock's Expert Take
With 3x bonus points on dining, travel and transportation and no foreign transaction fees, the Wells Fargo Autograph is a no-brainer for high-frequency domestic and international travelers. 3x bonus points on gasoline, streaming service subscriptions and cell phone plans and 1x bonus points on all other categories of spend make it even more compelling. One of the most attractive things about the Wells Fargo Autograph is the fact it has no spending limits on its bonuses. This, along with the absence of an annual fee, make it an excellent option for budget-conscious consumers.

Rewards program benefits

1. High rewards rate on multiple spending categories

The Wells Fargo Autograph card is one of the banks’ best credit card offerings due to the high rewards rates featured on the card.

Cardholders can enjoy unlimited 3x points per dollar spent on the following:

  • Travel
  • Restaurants including dine-in or take-out
  • Streaming services
  • Transit
  • Phone plans
  • Gas

All other purchases can earn 1x point per dollar spent.

Real Stories

One feature of the Wells Fargo Autograph Card that I find especially beneficial for travel and dining is the 3X points it offers on restaurant spending, including dining out and ordering in. This reward rate significantly enhances the value of every dollar spent on meals, whether exploring local cuisine on vacation or grabbing takeout at home. It's a fantastic perk for anyone who enjoys dining out frequently or wants to maximize their rewards on travel-related dining expenses.

-- By Jay Xiao, Co-Founder, SuretyNow

View More

2. A variety of redemption options

Those looking to add the Wells Fargo Autograph card to their wallet may be pleased to know that there are three main ways to redeem points earned on your card. The first of those methods is to redeem for travel by redeeming points for your next vacation on:

  • Flights
  • Car rentals
  • Hotels

Alternatively, you can choose to redeem your points for gift cards in any amounts or even redeem directly on your statement for purchases.

Real Stories

The Wells Fargo Autograph Card's ability to transfer points to a variety of travel partners is a feature I highly value. This flexibility allows me to maximize my rewards by transferring points to airlines or hotel loyalty programs, often leading to more valuable redemption options. It's a fantastic feature for optimizing travel rewards and planning future trips.

-- By Gillian Dewar, Chief Financial Officer, Crediful

View More

3. Access to My Wells Fargo Deals

My Wells Fargo Deals is an exclusive program that offers bonus points at select stores for a limited time. To receive the bonus, you’ll need to activate the offer for each store, and the selection changes every month, giving you the potential to earn even more.

Sign-up bonus and intro APR benefits

1. Sizeable sign-up bonus

Currently, Wells Fargo is offering new cardholders 30,000 bonus points when they spend $1,500 in purchases within the first three months of opening. That equals a $300 bonus just for buying the things you already needed to get!

More: Best Credit Card Sign-Up Bonuses

2. 0% intro APR on purchases

If you need to make a big purchase that takes time to pay off, this card is for you. New cardholders get a 0% APR for the first twelve months, making it easy to get the things you need without accruing interest.

More: Best Credit Cards with 0% APR

Travel perks and other benefits of Wells Fargo Autograph Card

1. A $0 annual fee

Finding a robust travel credit card with a $0 annual fee is nearly impossible these days, which makes Autograph stand out from its competitors, especially when you factor in all the benefits it includes.

More: Credit Cards with No Annual Fee

2. No foreign transaction fees

Do you need to pay in yen instead of dollars? No problem! The Autograph has no foreign transaction fees, saving you the money and headache that comes with conversion rates. For other cards, these fees often equate to about 3% of any international purchase, so this card can be a big benefit for those who travel frequently.

More: Best Credit Card with No Foreign Transaction Fees

3. Rental car coverage

Autograph cardholders receive up to $50,000 in coverage for rental cars that are damaged in a collision or stolen. To activate this benefit, you’ll need to charge the full cost of the rental to your Autograph card and provide a letter of coverage with the rental agency (only if the agency requires it).

More: Best Credit Cards for Car Rental

4. Roadside assistance

Roadside dispatch services are available for a fee to Autograph customers who need anything from towing to a jump start. Most travel-related cards have gotten rid of similar perks; so, it’s refreshing to see such a “good when you need it” service still available.

5. Visa Concierge service

This card comes with Visa Concierge service that allows you to do anything from booking flights to getting event tickets and dinner reservations.

6. Visa Signature perks

Since it’s a Visa, the Wells Fargo Autograph card benefits come with the benefits of the Visa Signature program. Not only will you get access to their Luxury Hotel Collection, but complimentary, 24/7 access to the Concierge is perfect for the times you need to book last-minute tickets or dining reservations or get help planning that perfect getaway.

7. Cell phone protection

The Autograph card also comes with a protection plan that covers your cell phone if it’s lost, stolen, or damaged at a rate of $600 per phone, max two times per year, and with a $25 deductible. To activate the coverage, you’ll need to pay your monthly data plan with the Autograph.

More: Best Credit Cards with Cell Phone Protection

How to maximize Wells Fargo Autograph’s benefits?

1. Earn the intro bonus quickly

Spending $1,000 within the first three months is an easy way to get those 20k bonus points; so, save your application for a time when you need to make a big purchase.

2. Pay your cell phone plan with it

Putting your monthly cell phone data plan on this card will get you an automatic cell phone insurance plan that will reimburse you up to $600 if your phone is lost, damaged, or stolen.

3. Keep it in your wallet for restaurants and travel

The Wells Fargo Autograph card is one of the few credit cards that have bonus categories for dining, streaming, and travel, making it great for both everyday spending and leisure trips.

How to decide if the Wells Fargo Autograph card is right for you?

To decide if the Wells Fargo Autograph Card is right for you, consider the following factors:

1. Rewards and benefits

  • Review the rewards program associated with the Autograph Card. Check if the rewards align with your spending habits and preferences.
  • Consider additional benefits such as travel perks, cashback options, or special promotions.

2. Fees and interest rates

  • Understand the annual fees, late payment fees, and other charges associated with the card.
  • Examine the interest rates, especially if you anticipate carrying a balance. Low-interest rates can save you money in the long run.

3. Credit score requirements

4. Terms and conditions

  • Read the terms and conditions of the card thoroughly. Pay attention to any introductory APR offers and how long they last.

5. Customer service and support

  • Consider the quality of customer service provided by Wells Fargo. Good customer support can be crucial in case you have queries or issues with your card.

6. Reviews and reputation

  • Look for reviews from other cardholders to get insights into their experiences with the Autograph Card.

Finally, compare the Autograph Card with other credit cards in the market. This can help you determine if there are better options available.

Potential drawbacks of the Wells Fargo Autograph card

While the specifics of credit cards can change over time, potential drawbacks of the Wells Fargo Autograph Card may include:

1. Rewards: Depending on your spending habits, the rewards program offered by the card may not align with your preferences. Some cards may offer more lucrative rewards in specific categories, or your spending may not align with these categories at all.

2. Limited benefits: The Autograph card lacks in the luxury travel and other benefits that you may find with other rewards cards. While the card does offer some, if these perks and benefits are important to you, you may want to explore different cards.

3. Interest rates: While the Autograph card currently has a 0% intro APR for 12 months on purchases, if you carry a balance from month to month, the interest rates on the card after the intro APR can significantly impact your overall cost. Be aware of the card’s APR and how it applies.

4. Credit score requirements: It’s recommended to have good to excellent credit (670+) when applying for an Autograph card. Evaluate whether your credit score meets these requirements or if a different card would be better.

5. Balance transfer fees: If you plan to transfer balances from other credit cards, check for any balance transfer fees associated with the Autograph Card. This card doesn’t offer an intro APR on balance transfers, so explore other cards if you plan to transfer a balance.

Alternative picks to Wells Fargo Autograph

When considering alternative credit cards to the Wells Fargo Autograph Card, it’s important to evaluate your specific preferences, spending habits, and financial goals. Here are some alternative picks that you may consider:

Chase Freedom Unlimited

  • Offers unlimited 1.5% cash back on all purchases.
  • No annual fee.
  • Introductory 0% APR for a certain period on purchases and balance transfers.

Apply now: Chase Freedom Unlimited®

Learn more: Chase Freedom Unlimited® Review

Capital One Quicksilver Cash Rewards

  • Provides 1.5% cash back on all purchases.
  • No annual fee.
  • Introductory 0% APR for a specific period on purchases and balance transfers.

Apply now: Capital One Quicksilver Cash Rewards

Learn more: Capital One Quicksilver Rewards Review

Citi Double Cash Card

  • Earns 2% cash back – 1% on purchases and an additional 1% as you pay for those purchases.
  • No annual fee.
  • Introductory 0% APR for balance transfers.

Apply now: Citi® Double Cash Card

Learn more: Citi Double Cash Review

Discover it Cash Back

  • Rotating 5% cash back categories and 1% back on all other purchases.
  • No annual fee.
  • Cash back match for the first year.

Apply now: Discover it® Cash Back

Learn more: Discover It Cash Back Review

American Express Blue Cash Everyday

  • Up to 3% cash back on everyday purchases, including groceries and gas.
  • No annual fee.
  • Introductory 0% APR for a specific period on purchases.

Apply now: Blue Cash Everyday® Card from American Express

Bank of America Cash Rewards

  • 3% cash back in a chosen category, 2% at grocery stores and wholesale clubs, and 1% on all other purchases.
  • No annual fee.
  • Introductory 0% APR for a certain period on purchases and balance transfers.

Apply now: Bank of America Unlimited Cash Rewards Credit Card

Learn more: Bank of America Unlimited Cash Rewards Card Review

Bottom line

In conclusion, the Wells Fargo Autograph Card is a credit card option that offers a range of features and benefits for potential cardholders. With its rewards program, 0% intro APR, and various perks, it caters to individuals seeking a versatile credit card solution. However, it’s crucial for applicants to carefully consider factors such as credit score requirements and the specific rewards offered to determine if the card aligns with their financial goals and spending habits. Prospective users should stay informed about any updates to the card’s terms and conditions and compare it with alternative options to make an informed decision that suits their individual needs.


No. Lounge access is usually only available to cards that come with a sizable annual fee. However, if you want to get a day pass to an airport lounge, you’ll earn 3x back if you charge it to the Autograph!

More: Best Credit Cards with Lounge Access

Wells Fargo Autograph points are in an interesting category that makes calculating their earning potential difficult. The Autograph earns Wells Fargo Rewards points which can’t be pooled with other premium travel cards, making their worth significantly less than Chase’s Ultimate Rewards or American Express’ Membership Rewards points. Current valuations for Wells Fargo Rewards are about 1 cent for travel redemptions but cannot be transferred to travel partners like airlines or hotels.

It’s also worth noting that some redemption options come with minimum amounts you’ll need to have accrued before you can cash the points out. Paper check redemptions start at $25 (2,500 points), while Wells Fargo ATM withdrawals start at $20 (2,000 points).

If you want to get a Wells Fargo Autograph card, you’ll probably need a credit score of 670 or higher to get approved. While this is lower than many premium-tiered travel cards, it still requires you to have a responsible credit history and low credit utilization.

While Wells Fargo doesn’t explicitly disclose a specific credit score requirement for the Autograph card, successful applicants generally have excellent credit scores. To qualify for this premium card, individuals typically need credit scores in the range of 720 or higher.

However, it’s essential to note that credit score alone doesn’t guarantee approval; Wells Fargo considers various financial aspects, including income, existing debts, credit history, and other factors when assessing an applicant’s eligibility for the Autograph card.

Learn more: Wells Fargo Credit Card Requirements