Wells Fargo Bank, N.A.
Wells Fargo Autograph℠ Card
A no-annual-fee U.S. travel rewards card offering unlimited 3x points on travel, restaurants, gas stations, transit, popular streaming services, and phone plans.
Highlights
Main benefits
- $0 annual fee
- Unlimited 3x points on travel
- Unlimited 3x points on restaurants
- Unlimited 3x points on gas stations
- Unlimited 3x points on transit
- Unlimited 3x points on popular streaming services
- Unlimited 3x points on phone plans
- 1x points on other purchases
- 20,000 bonus points after qualifying spend
- No foreign transaction fee
- Visa Signature benefits may apply
- Cell phone protection may apply
- Auto rental collision damage waiver may apply
- Travel and emergency assistance services may apply
Fees
Fees and charges
Joining fee
$0
Renewal fee
$0 annual fee
Annual fee waiver
Not required because the card has a $0 annual fee.
Who can apply
Eligibility
Best suited for U.S. applicants with good to excellent credit. Approval depends on Wells Fargo’s credit review, income, debt obligations, identity verification, credit history, and other underwriting factors.
Checklist
Documents required
- Government-issued ID
- Social Security Number or ITIN, where applicable
- U.S. residential address
- Income/employment details
- Date of birth
- Contact details
Process
How to apply
1. Visit the official Wells Fargo Autograph℠ Card page
2. Review the current bonus offer, APR, annual fee, foreign transaction fee, and rewards terms
3. Click “Apply Now”
4. Enter personal, income, and contact details
5. Submit the application and wait for Wells Fargo’s decision
Value
Reward and cashback structure
Reward rate
Unlimited 3x points on restaurants;
Unlimited 3x points on travel;
Unlimited 3x points on gas stations;
Unlimited 3x points on transit;
Unlimited 3x points on popular streaming services;
Unlimited 3x points on phone plans;
1x points on other purchases;
Wells Fargo officially lists these unlimited 3x categories for the Autograph Card.
Cashback
Not mainly a cashback card, but Wells Fargo Rewards® points can be redeemed for cash redemption options, travel, gift cards, purchases already made, and more.
Good fit
Pros
- Excellent no-annual-fee travel card
- Strong 3x rewards across useful everyday categories
- No foreign transaction fee
- Good for dining, travel, gas, transit, streaming, and phone bills
- Simple rewards structure with no rotating categories
- Welcome bonus has a low spending requirement
- Useful Visa Signature benefits
- Good alternative for users who do not want premium travel card fees
- Can pair well with a flat 2% cashback card
Watchouts
Cons
- No airport lounge access
- Only 1x points on non-bonus purchases
- No premium hotel or airline credits
- Not as powerful as premium travel cards for frequent flyers
- Best value depends on Wells Fargo Rewards redemption options
- No specific fuel surcharge waiver
- Requires U.S. credit eligibility
- Less useful for users who want simple direct cashback only
Related
Related cards
Compare
Compare Cards
| Field | Wells Fargo Autograph℠ Card | Chase Sapphire Preferred® Card |
|---|---|---|
| Bank/provider | Wells Fargo Bank, N.A. | Chase Bank USA |
| Joining fee | $0 | $95 annual fee |
| Renewal fee | $0 annual fee | $95 annual fee |
| Best for | No-annual-fee travel rewards, dining, gas stations, transit, streaming, phone plans, international travel, users who want travel rewards without premium-card fees | Travel rewards, Chase Ultimate Rewards® points, dining, hotel bookings, international travel, beginners who want a serious travel card |
| Reward rate |
|
|
| Cashback | Not mainly a cashback card, but Wells Fargo Rewards® points can be redeemed for cash redemption options, travel, gift cards, purchases already made, and more |
|
| Lounge access | No Included airport lounge access | No Included airport lounge access |
| Fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver |
| Welcome benefit |
| Welcome offer changes over time and may vary by user or channel. A commonly listed recent offer is bonus points after meeting a minimum spend requirement in the first 3 months, so check Chase’s official application page before publishing the exact number |
| Annual fee waiver condition | Not required because the card has a $0 annual fee |
|
| Eligibility |
|
|
| Apply link | Apply | Apply |