Wells Fargo Autograph® Card Review
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Wells Fargo Autograph® Card review

This is a no-annual-fee credit card that makes it easy to earn bonus rewards when you are on the go, whether you are traveling to some far-flung destination or simply running errands around town.

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Key Features

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Editor Analysis:

Pros
  • Earn signup_reward bonus points when you spend signup_bonus_spend_amount in purchases in the first three months - that's a $200 cash redemption value.
  • 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.
Cons
  • While you can redeem points for travel, you don't have the option to transfer them to airline or hotel loyalty programs.

Wells Fargo Autograph (SM) Card rewards

Wells Fargo Autograph (SM) Card offers a rewards program that’s designed with busy people in mind.

You earn 3X points on travel, gas stations, transit and dining. You also earn 3X points per dollar on popular streaming services and phone plans.

On other purchases you earn 1X point per dollar. There’s no limit on the number of points you can earn and points don’t expire as long as your account remains open and in good standing.

When you’re ready to redeem rewards, you can use them for travel, gift cards or purchases. You also have the option to redeem points for gift cards from a wide variety of retailers and restaurants.

Wells Fargo Autograph (SM) Card benefits

Wells Fargo Autograph (SM) Card cardholders enjoy a number of card benefits, including:

  • Introductory bonus. New card members can earn signup_reward bonus points after spending signup_bonus_spend_amount on purchases in the first three months. That’s the equivalent of $200 in cash redemption value.
  • Visa Signature privileges. You can access 24/7 concierge service, which is a plus if you need help making reservations or booking flights. Luxury Hotel Collection access is also included in your Visa Signature benefits.
  • Cell phone protection. You’ll get up to $600 in cell phone protection when you use your card to pay your monthly phone bill. A deductible applies if you need to file a claim.
  • Travel benefits. Wells Fargo offers a number of travel protections, including emergency cash disbursement and card replacement, travel and emergency service assistance and roadside dispatch service.
  • No foreign transaction fee. If you travel abroad or make international purchases you won’t have to worry about being charged an added fee for those transactions.
  • No annual fee. You can earn rewards without an annual fee eating into their value.
  • Introductory APR. The card offers a 0% introductory APR intro_apr_duration. After the promotional period, regular reg_apr,reg_apr_type applies.

Potential downsides of the Wells Fargo Autograph (SM) Card

  • While you can redeem points for travel, you don’t have the option to transfer them to airline or hotel loyalty programs.
  • Compared to other travel rewards cards, Wells Fargo Autograph (SM) Card doesn’t offer as many added perks.
  • The introductory APR is good for purchases only, not balance transfers.

How does the Wells Fargo Autograph (SM) Card compare to other cards?

Wells Fargo Autograph (SM) Card vs. Citi Strata Premier(SM) Card

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Citi Premier(R) Card offers a rewards structure that’s similar to Wells Fargo Autograph (SM) Card. You earn 3X ThankYou® Points for every dollar spent at restaurants, hotels, gas stations, supermarkets, and on air travel. All other purchases earn 1X point per dollar. Citi is a CardRatings advertiser.

The biggest difference between the two cards lies in the benefits offered with Citi Premier(R) Card and how points can be redeemed. For instance, you can get a $100 annual hotel savings benefit and the introductory rewards bonus is more than double what you’d get with Wells Fargo Autograph (SM) Card. With the Citi Premier(R) Card card, new cardholders can earn signup_reward bonus ThankYou® Points after spending signup_bonus_spend_amount in the first three months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

ThankYou® Points can be redeemed for travel, shopping, gift cards or cash back. You have the option to transfer your points to participating travel partners, which include TrueBlue, Virgin Airlines and Singapore Airlines. The minimum transfer is 1,000 points and Citi doesn’t charge a fee to use your ThankYou® Points this way.

Wells Fargo Autograph (SM) Card vs. Bank of America(R) Premium Rewards(R) Visa(R) credit card

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Bank of America(R) Premium Rewards(R) Visa(R) credit card offers slightly fewer points on travel purchases and a little more on everyday purchases. With this card you earn 2X points for every dollar spent on travel and dining, along with 1.5X points per dollar on all other purchases. Points are unlimited.

You could earn even more rewards value as a Bank of America Preferred Rewards member. Members earn 25% to 75% more points on every purchase. That translates to earning 2.5 to 3.5 points on travel and dining and 1.87 to 2.62 points on all other purchases.

There is also an introductory bonus with this card, which could allow you to unlock an additional 60,000 online bonus points. You’ll need to make at least $4,000 in purchases within 90 days of account opening. Bonus points are worth $600 in redemption value.

Bank of America(R) Premium Rewards(R) Visa(R) credit card cardholders also get access to travel benefits that Wells Fargo Autograph (SM) Card lacks. For instance, you can get up to $100 in airline incidental statement credits annually. You can also take advantage of up to $100 credit toward TSA PreCheck or Global Entry application fees every four years.

This card carries a annual_fees annual fee.

Is the Wells Fargo Autograph (SM) Card a good card?

The Wells Fargo Autograph (SM) Card is a good card for people who routinely spend on travel, gas stations, transportation and dining out. The card’s rewards structure is simple and straightforward, with multiple ways to redeem points earned.

You might find another travel card that you like better if you’re looking for a longer list of benefits or perks, such as airport lounge access, free checked bags or TSA PreCheck/Global Entry fee credits. However, keep in mind that the more benefits a card offers, the more likely you are to pay an annual fee in order to enjoy them.

Frequently asked questions

No, the Wells Fargo Autograph (SM) Card does not charge a fee on foreign transactions.
The Wells Fargo Autograph (SM) Card is designed for individuals with good to excellent credit, typically requiring a FICO score of 670 or higher. Eligibility criteria include a solid credit history with no recent bankruptcies, defaults, or significant delinquencies, and a stable income. Applicants must be U.S. citizens or permanent residents and at least 18 years old. While these are general guidelines, Wells Fargo will consider your overall financial profile when determining eligibility.
Yes, you can typically combine your Wells Fargo Autograph Card points with other Wells Fargo rewards accounts by transferring them within your online account, usually in the "Redeem Rewards" section.
No, generally, your Wells Fargo Rewards points, including those earned with the Autograph Card, do not expire as long as your account remains open and in good standing.
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Our Methodology

Survey methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents’ scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted. Current Scores reflect scores from the most recent survey (2023); “Past Scores” reflect scores from the 2022 survey.

Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

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