Edited by: Keri Stooksbury
& Kellie Jez
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0% intro APR for 12 months from account opening on purchases, 20.24%, 25.24%, or 29.99% variable APR thereafter.
The Wells Fargo Autograph Card offers great 3x bonus categories and cell phone protection with no annual fee.
The Wells Fargo Autograph℠ Card is an excellent no annual fee card that offers 3x rewards 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.
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, 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.
When you pay your monthly cell phone bill with your eligible Wells Fargo card, you can 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.
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.
You can use your Wells Fargo Autograph Card when you travel overseas, as the card does not charge any foreign transaction fees.
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 gives you 3 options. You can redeem for flights, car rentals, and hotel stays at 1 cent per point. You can 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.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
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.
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.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred® card is one of the best travel rewards cards on 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.
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, credits with Gopuff and Instacart, a $50 annual hotel credit, and more.
This content is not provided by the issuer. Any opinions expressed are those of Upgraded Points alone, and have not been reviewed, approved or otherwise endorsed by the issuer.
In addition to the card’s 6 bonus categories that allow you to earn 3x points per $1 on purchases, it charges no annual fee or foreign transaction fees and includes cell phone protection and Auto Rental Collision Damage Waiver.
Yes, one of the card’s 3x bonus categories is travel, which includes airfare, hotels, timeshares, vehicle rentals, cruises, travel agencies, discount travel sites, and campgrounds. Further, if you do quite a bit of traveling by car, you’ll be happy to know that the Wells Fargo Autograph Card also earns 3x points per $1 on gas stations.
No, the Wells Fargo Autograph Card does not have an annual fee.
No, the Wells Fargo Autograph Card does not charge foreign transaction fees.