Wells Fargo Autograph℠ Card Review [2022]: A Must-Have for Your Wallet?

The Wells Fargo Autograph Card offers high cash rewards earning potential on multiple everyday categories. See if it makes sense for you.
Last updated Nov. 20, 2022 | By Ben Walker, CEPF | Edited By Becca Borawski Jenkins

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The Wells Fargo Autograph℠ Card is a flexible rewards card that offers cash rewards and travel redemptions. It also offers a generous welcome bonus and you can earn bonus points in multiple, everyday categories, including restaurants, travel, gas stations, transit, popular streaming services, and phone plans.

This Wells Fargo Autograph review covers the card’s strengths and weaknesses so you can decide whether it’s the right fit for you.

Current Offer

Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023

Annual Fee

$0

Rewards Rate

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

Benefits and Drawbacks

Benefits

  • Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023
  • Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
  • Intro APR on purchases
  • $0 annual fee

Drawbacks

  • No intro APR on balance transfers
Card Details
  • Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
  • $0 annual fee
  • 0% intro APR for 12 months from account opening on purchases. 18.74%, 23.74%, or 28.74% variable APR thereafter
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
  • Select "Apply Now" to learn more about the product features, terms and conditions.

In this Wells Fargo Autograph℠ Card review

Who should get the Wells Fargo Autograph Card?

The Wells Fargo Autograph Card is likely best if you want a $0-annual-fee credit card that offers a generous welcome bonus and excellent earning potential on everyday purchases. It might not make sense if you don’t have a good or excellent credit score.

With the welcome bonus, you can earn 30,000 bonus points after spending $1,500 in purchases in the first 3 months (limited time offer ends 1/10/2023). Regular earnings are detailed in the rewards rate: Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

The Wells Fargo Autograph also provides cardholders with an intro APR offer on purchases, cell phone protection, and Visa Signature perks. For a $0 annual fee, it has loads of benefits and earning potential.

Card basics

Card type Travel/Cash back
Credit card issuer Wells Fargo
Credit card network Visa
Annual fee $0
Welcome bonus Earn 30,000 bonus points after spending $1,500 in purchases in the first 3 months (limited time offer ends 1/10/2023)
Reward rate Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
Recommended credit score Excellent, Good
Intro APR 0% intro APR on purchases for 12 months from account opening, then 18.74%, 23.74%, or 28.74% variable APR
Foreign transaction fee None

Wells Fargo Autograph Card benefits and perks

  • Generous welcome offer: Earn 30,000 bonus points after spending $1,500 in purchases in the first 3 months (limited time offer ends 1/10/2023).
  • Excellent earning potential: Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
  • Redemption options: Redeem your points for travel, cash redemptions, gift cards, PayPal checkout, merchandise, charitable donations, and more.
  • No annual fee: With this $0-annual-fee card, enjoy your benefits and rewards without the stress of an annual cost.
  • Intro APR offer: New cardholders receive 0% intro APR on purchases for 12 months from account opening, then 18.74%, 23.74%, or 28.74% variable APR.
  • Cell phone protection: Most credit cards don’t offer cell phone protection, but the Wells Fargo Autograph does. Receive up to $600 of protection (minus a $25 deductible) per successful claim against phone damage or theft when you pay your monthly cell phone bill with your card.
  • Auto rental collision damage waiver: Receive up to $50,000 in car rental coverage toward a covered accident or theft on eligible car rentals.
  • Roadside dispatch: Receive access to a pay-per-use roadside assistance program that offers services such as towing, tire changing, fuel delivery, and more.
  • Travel and emergency assistance services: Receive 24/7 access to travel and emergency assistance services such as lost luggage locator service, emergency message service, and medical referral assistance.
  • Visa Signature Concierge service: Receive 24/7 access to the Visa Signature Concierge service for assistance with travel, entertainment, and other needs.
  • Visa Signature Luxury Hotel Collection: Receive exclusive benefits at over 900 luxury hotels worldwide. This could include food or beverage credit, late check-out, and an automatic room upgrade.
  • No foreign transaction fee: This card has no foreign transaction fees, so you can avoid racking up these additional charges if you make purchases while abroad.

Drawbacks to the Wells Fargo Autograph Card

  • No intro APR offer on balance transfers: The Wells Fargo Autograph has an intro APR offer for purchases, but not for balance transfers. For a better balance transfer option, consider the Wells Fargo Reflect® Card.
  • No transfer partners: The Wells Fargo Autograph offers travel redemptions, but you can’t transfer points to any travel partners. If you compare credit cards, many other travel cards do offer this redemption option for your points or miles.
  • Cash redemption increments: Cash reward redemptions made by phone or online can only be done in increments of 2,500 points ($25). This could be limiting if your points total doesn’t exactly align with increments of 2,500.

Earning & redeeming Wells Fargo Rewards

Potential earnings in years one and two

Here's a look at how your points can add up with the Wells Fargo Autograph Card. To calculate these values, we used a point valuation of 1 cent.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $855

Year two earnings: $555

These values are based on the FinanceBuzz Credit Card Rewards Valuation Mode, which looks at points earned via spending, the welcome bonus, and the annual fee.

Best ways to earn

One of the best ways to earn the most points possible with a rewards program is to use your card on purchases you’re already planning to make. This could include everyday spending such as gas, eating out, and public transit. The Autograph lines up will with these spending categories.

The Wells Fargo Autograph offers 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. You can also earn 1X points on other purchases.

This card’s bonus categories align with many everyday expenses and it would likely be beneficial for you to use your card on those purchases. Keep in mind that using your card to pay your cell phone bill could offer bonus points and cell phone protection.

Categories Rewards rate
Restaurants, travel, gas stations, transit, popular streaming services, and phone plans 3X
Other purchases 1X

Maximizing your redemptions

The Wells Fargo Autograph offers these redemption options for your rewards points:

  • Account deposits or statement credits
  • Mailed check
  • Cash by withdrawal from a Wells Fargo ATM
  • Travel
  • Gift cards
  • Charitable donations
  • Merchandise
  • Pay with Rewards at participating merchants, including PayPal Checkout
  • Transfers to a Rewards Pool or another Wells Fargo Rewards account

Redemption values don’t tend to vary with Wells Fargo Rewards, which means you typically receive the same value (1 cent per point) for your points regardless of which option you choose. The most popular options for rewards cards are often for cash or travel redemptions. But the best option for you depends on your preferences.

Wells Fargo Autograph Card FAQs

Is the Wells Fargo Propel Card still available?

The Wells Fargo Propel Card is no longer available for applications. The Wells Fargo Autograph is an updated product from Wells Fargo that offers similar benefits, but it is a Visa, whereas the Propel is an American Express card. The Autograph has a $0 annual fee, a generous welcome bonus, and unlimited cash rewards earning potential in multiple everyday categories.

Does Wells Fargo have a Visa Signature card?

Yes, Wells Fargo has multiple Visa Signature cards that offer Visa Signature benefits such as concierge services, access to the Luxury Hotel Collection, and cell phone protection. Wells Fargo Visa Signature cards include:

What credit score do you need for the Wells Fargo Autograph?

It’s likely that you should have a good or excellent credit score before you apply for the Wells Fargo Autograph Card. This would be at least a 670 on the FICO scoring model, though having a 700 or higher would likely increase your chances for approval. Wells Fargo could also consider other creditworthiness factors apart from your credit score when reviewing your application, so having a certain score is never a guarantee of approval in and of itself.

 

Other cards to consider

The Wells Fargo Autograph hits many of the right notes, including a $0 annual fee, a worthwhile welcome offer, and bonus categories that align with everyday expenses. But if it’s not the right credit card offer for you, consider the Chase Sapphire Preferred® Card or the Wells Fargo Active Cash® Card.

The Chase Sapphire Preferred is likely a better option if you want a travel rewards card. It has a $95 annual fee and offers valuable Chase Ultimate Rewards for all eligible purchases. Transfer your points to over a dozen transfer partners or receive a 25% bonus if you redeem points toward travel.

Read our Chase Sapphire Preferred review for more information.

The Wells Fargo Active Cash could make sense if you want a flat-rate cash rewards card. It has a $0 annual fee and cardmembers can earn 2% cash rewards on purchases. This type of earning rate helps to keep things simple because you don’t have to worry about multiple bonus categories with different rates.

Check out our Wells Fargo Active Cash review to learn more.

Why We Like It

Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023

Rates and fees

See how these cards compare:

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
  • Earn 60,000 points after spending $4,000 on purchases in the first 3 months
  • 5X points on Lyft rides and travel booked through Chase Ultimate Rewards
  • 25% more value when redeeming rewards for travel through Chase Ultimate Rewards
  • 10% anniversary point bonus each year
  • $50 annual credit on hotel stays booked through Ultimate Rewards
  • Premium travel protection benefits
Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card
  • $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • Intro APR on purchases and balance transfers
  • $0 annual fee
  • Rates and fees

Author Details

Ben Walker, CEPF Ben Walker, CEPF, is a credit cards and travel writer at FinanceBuzz who loves helping others achieve their travel goals through financially sound decisions. For over a decade, he has been using credit card points and miles for the sole purpose of traveling the world. Ben is a Certified Educator of Personal Finance and has been featured in The Washington Post, MSN, Debt.com, and Finder.com.