Wells Fargo Autograph Card

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Wells Fargo Autograph Card

Wells Fargo Autograph Card
  • Regular Purchase APR 17.24%, 22.24%, or 27.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 17.24%, 22.24%, or 27.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 28.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Intro Purchase APR 0% for 12 months
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Earn 3X points on dining, travel, gas, transit, streaming, and phone plans
  • Earn 1X points on all other purchases
  • 0% intro APR for 12 months on purchases
Rates & Fees
  • Intro Purchase APR: 0% for 12 months
  • Regular Purchase APR: 17.24%, 22.24%, or 27.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 17.24%, 22.24%, or 27.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of the transfer, whichever is greater
  • Cash Advance APR: 28.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
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At a Glance

Cardholders can earn up to 3X points on everyday purchases with the Wells Fargo AutographSM Card. The card, which features no annual fee and a year-long 0% intro APR period on purchases, earns 3X points on broad categories, including gas, transit, dining, streaming, and more.

Ideal for Those Who:

  • Already bank with Wells Fargo
  • Want a lucrative credit card without rotating categories
  • Don’t want to pay an annual fee

Wells Fargo Autograph Card Review

The Wells Fargo AutographSM Card is a general rewards credit card from Wells Fargo. The card offers accelerated rewards on a versatile array of categories, with no points cap or annual fee.

How to Earn Rewards with Wells Fargo Autograph

The Wells Fargo Autograph prioritizes points, giving cardholders lucrative rewards with nearly every purchase. The card earns up to 3X points per $1 spent on purchases, with those 3X points coming in the following purchase categories:

Dining Travel Gas
Transit Popular Streaming Services Phone Plans

The variety of categories with the Autograph is exceptional and provides daily value for consumers. Dining, gas, and travel are standard fare with credit cards these days, but the addition of phone plans, transit, and streaming are great features that provide significant value.

Streaming is especially nice, as more and more Americans add over-the-top streaming to their viewing habits instead of over-the-air television or cable. For reference, here is what Wells Fargo considers an eligible streaming service:

Apple Music Apple News Apple TV
Amazon Music Unlimited Audible Disney+
ESPN+ fuboTV HBO Now
Headspace Hulu Kindle Unlimited
Netflix NHL.tv Pandora
Prime Video Sirius XM Radio Spotify Premium

All other purchases with the Autograph Visa Signature earn 1X points. There are no point caps, although points will expire. Go Far Rewards points expire at the end of the 60th month after they are earned. This means Wells Fargo Go Far Rewards expire after five years.

Related Article: The Best Credit Cards for Streaming Services

$300 Welcome Offer

New Wells Fargo Autograph cardholders can earn 30,000 bonus points after spending $1,500 in purchases in the first three months of opening an account. This welcome offer has a cash value of $300.

How to Redeem Rewards

Redeeming points with the Autograph is simple. As with other Wells Fargo Go Far Rewards credit cards, cardholders can opt to use points for the following redemptions:

  • Statement Credits: Points are applicable to statement credits. These credits can help a cardholder pay down the Wells Fargo credit card account.
  • Cash Back: Cash back is another option, with withdrawals from Wells Fargo Bank ATMs. Cash awards come in $20 increments and are an award option unique to the bank.
  • Gift Cards: Go Far points apply towards gift cards from leading brands and retailers.
  • Wells Fargo Products: Rewards apply to direct deposits to Wells Fargo banking accounts. Cardholders can also use Go Far rewards to make payments on Wells Fargo mortgage and loan products.
  • Charity: Donate points to a selection of charities.
  • Merchandise: Points apply to select merchandise purchases, including Apple purchases.
  • Travel: Book flights, hotels, and rental cars through Wells Fargo’s online travel portal.
  • Pay with Points: Shop at millions of online stores and redeem your rewards when checking out with PayPal.

Point redemptions start as low as $1 for purchases and Pay with Points and $25 for gift cards.

12 Months of 0% Interest on Purchases

The Autograph, like other Wells Fargo credit cards, also comes with a lengthy 0% intro APR period. That introductory rate of 0% applies for 12 months on purchases, with a competitive, variable rate after that based on creditworthiness.

The 12-month 0% intro APR period with the Autograph is less than the 15-month period with the Citi Custom Cash℠ Card or Discover It but comparable with many other exceptional rewards credit cards.

Related Article: What is the Longest 0% APR Credit Card?

Card Comparison

Here is how the Autograph Card stacks up against one of its closest competitors:

Wells Fargo Autograph Card U.S. Bank Altitude® Go Card
  • 3X points on dining, travel, gas, transit, streaming, and phone plans
  • 1X point on all other eligible purchases
  • 4X points on dining, takeout, and restaurant delivery
  • 2X points on streaming services, grocery stores, grocery delivery, gas stations, and EV charging stations.
  • 1X point on all other eligible purchases
Rewards
12 months 0% intro APR on purchases 12 months 0% intro APR on purchases and BTs 0% Intro APR
No annual fee No annual fee Annual Fee

Other Card Features

Other notable features of the Wells Fargo Autograph Visa Signature credit card include:

  • Get up to $600 of cell phone protection against damage or theft when paying the monthly cell phone bill with the Autograph.
  • Wells Fargo Control tower access via the mobile app
  • Contactless payment and EMV chip technology
  • Voice Verification and 2-step Verification at sign-on
  • No foreign transaction fees
  • No annual fee
  • Visa Signature Concierge and protections

Visa Signature provides an enhanced level of service over Visa Traditional – the baseline of Visa protections. This means that Autograph cardholders can expect the following Visa protections and benefits:

Zero Fraud Liability Cardholder Inquiry Services Emergency Card Replacement
Roadside Dispatch and Auto Collision Damage Waiver Lost/Stolen Card Reporting ID Navigator from Norton
Luxury Hotel Collection Travel & Emergency Assistance Extended Warranty Coverage
Visa Signature Concierge

Should You Apply for the Wells Fargo Autograph Card?

Overall, there is much to like about the Wells Fargo AutographSM Card. The card provides a generous rewards program and a decent welcome bonus to create a solid rewards card that hits the right notes.

The 3X categories with the Autograph are robust – as is the 12-month interest-free introductory period on purchases. While the welcome bonus isn’t mind-boggling, it provides solid value that doesn’t distract from the everyday value of the credit card.

Browse Other Wells Fargo Credit Card Offers:

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