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Wells Fargo Autograph℠ Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4
20,000 points
$0
0% intro APR for 12 months from account opening on purchases, 19.49%, 24.49%, or 29.49% variable APR thereafter
Good to Excellent (670-850)
Wells Fargo Autograph℠ Card
The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4
Summary
The Wells Fargo Autograph℠ Card is an excellent no annual fee card that offers 3x points on 6 different bonus categories. Choose from multiple options when you’re ready to redeem your rewards, and take advantage of great perks including cell phone protection, auto rental collision damage waiver, and no foreign transaction fees.
Card Details
Card Snapshot
Welcome Bonus & Info
Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 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.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 19.49%, 24.49%, or 29.49% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. 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.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
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The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
” System
1094+ Expert Credit Card Guides
Great Card If
You want an all-in-one card that offers 3x points on multiple bonus categories
You prefer a card without an annual fee
You want a card with cell phone protection
Don’t Get If
You want a card that offers travel transfer partners
You want a card that offers premium perks
Your spending habits aren’t in line with the card’s bonus categories
Wells Fargo Autograph Card — Is It Worth It?
For those looking for a great no-annual-fee credit card, the Wells Fargo Autograph Card can be very worthwhile. Not only does it earn 3x points per $1 on 6 bonus categories including restaurants, travel, gas stations, transit, popular streaming services, and phone plans; but you also have multiple options when it comes to how you redeem those rewards.
Further, the card offers some great perks including cell phone protection, Auto Rental Collision Damage Waiver, no foreign transaction fees, and an intro APR offer. If you’re looking for a great all-in-one no-annual-fee card with bonus categories that cover a lot of ground, then the Wells Fargo Autograph Card is a great option.
Wells Fargo Autograph Card Top Features and Benefits
Cell Phone Protection
When you pay your monthly cell phone bill with your eligible Wells Fargo card, you could receive up to $600 of cell phone protection against damage or theft with the Wells Fargo Autograph Card. You are limited to up to 2 claims per 12-month period and are required to pay a $25 deductible per claim.
Auto Rental Collision Damage Waiver
The card also includes an Auto Rental Collision Damage Waiver that covers theft, damage, and valid loss-of-use charges imposed by the rental car company should any covered instance happen to your rental car. Keep in mind that the coverage is secondary to any auto insurance you already have.
No Foreign Transaction Fees
You can use your Wells Fargo Autograph Card when you travel overseas, as the card does not charge any foreign transaction fees.
Best Ways To Earn and Redeem Your Points
When it comes to earning as many points as possible with your Wells Fargo Autograph Card, you’ll want to use the card’s 6 bonus categories to your advantage as much as possible. These categories are restaurants (including takeout, catering, and delivery), travel (including airfare, hotels, car rentals, and cruises), gas stations (including electric vehicle charging stations), transit (including subways, rideshares, parking, and tolls), popular streaming services, and phone plans … all of which earn 3x points per $1 spent with no caps.
When you’re ready to redeem your rewards points, Wells Fargo provides 3 options. You could redeem for flights, car rentals, and hotel stays at 1 cent per point. You could also redeem them for gift cards in $25 increments at a rate of 1 cent per point. That said, your best option is likely to be redeeming them for cash rewards to offset your eligible purchases from your credit card account, as this is the most flexible option, and redemptions start at as little as $1.
Alternative Cards to the Wells Fargo Autograph Card
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash-back
$0
0% Intro APR for 18 months on balance transfers, then 18.49% to 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)
Why We Like This Card
The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!
This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.
Pros & Cons
Pros
Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.49% to 28.49%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Citi Double Cash® Card Travel Portal Special Offer Earn a total of 5 ThankYou® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel℠ portal via cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 12/31/2025.
Financial Snapshot
APR: 0% Intro APR for 18 months on balance transfers, then 18.49% to 28.49% Variable
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
If you need another option for a no-annual-fee cash-back card, the Double Cash card is a stellar option. With it, you don’t need to worry about any bonus categories as the card earns an uncapped 2% cash-back (1% when you purchase and another 1% when you pay) on all purchases with no limits to the amount of cash-back you can earn.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 bonus points
$1,200
$95
20.74% - 27.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The Chase Sapphire Preferred® card is one of the best travel rewards cardson the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Pros & Cons
Pros
5x points on all travel booked via the Chase Travel portal
5x points on select Peloton purchases over $150 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)
Cons
$95 annual fee
No elite benefits like airport lounge access or hotel elite status
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
If you’re looking for one of the best starter travel rewards cards on the market, then we highly recommend the Chase Sapphire Preferred card. It earns 5x points per $1 on purchases through Chase Travel, 3x points per $1 on dining, online grocery purchases, and select streaming services, and 2x points per $1 on all other travel purchases.
Not to mention that Chase Ultimate Rewards are some of the most valuable rewards points on the market thanks to their flexibility and transferability. The card also offers great travel protections, a $50 annual hotel credit, and more.
The information regarding the Wells Fargo Autograph℠ Card was independently collected by Upgraded Points and not reviewed nor provided by the issuer. The information regarding the Citi Double Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
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