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Wells Fargo Autograph Card — Full Review [2023]

Name: Wells Fargo Autograph Card — Full Review [2023]
Item: Wells Fargo Autograph Card
Rating: 4
Author: Jarrod West

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"3x Rewards on 6 Bonus Categories"

The Wells Fargo Autograph card offers great 3x bonus categories and cell phone protection with no annual fee.

Jarrod West

- Updated: May 8, 2023, 2:22am CDT

The information regarding the Wells Fargo Autograph℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

The Wells Fargo Autograph℠ Card is an excellent no annual fee card that offers 3x rewards on 6 different bonus categories. It offers multiple options when you’re ready to redeem your rewards and great perks, including cell phone protection, rental car insurance, no foreign transaction fees, and more.

Here is everything you need to know about the card.

Pros

3x points per $1 spent on restaurants, travel, gas, transit, popular streaming services, and phone plans
1x points per $1 spent on all other purchases
No annual fee
No foreign transaction fees
Flexible redemption options
Cell phone protection
Rental car insurance
0% interest APR for 12 months

Cons

Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized value

Wells Fargo Autograph Card — Snapshot

Welcome Bonus & Info (Partner Content)
- Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months – that’s a $300 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. 17.24%, 22.24%, or 27.24% variable APR thereafter
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (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.
- Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge.
Card Categories:
- Credit Card Reviews
- Credit Cards with No Annual Fee

Great Card If

You want an all-in-one card that offers 3x rewards 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 — Fees

Foreign Transaction Fees
None
Interest Rates
- 0% intro APR for 12 months from account opening. After that, 17.24%, 22.24%, or 27.24% Variable APR.
Late fees
- Up to $40
Balance Transfers
- 17.24%, 22.24%, or 27.24% Variable APR
- Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.
Cash Advance APR
- 28.24% Variable
- Fee: Either $10 or 5% of the amount of each advance, whichever is greater.

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, 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, rental car insurance, 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 Benefits

Cell Phone Protection

When you pay your monthly cell phone bill with the Wells Fargo Autograph card, you can receive up to $600 of cell phone protection against damage or theft. You are limited to up to 2 claims per 12-month period and are required to pay a $25 deductible per claim.

Rental Car Insurance

The card also includes rental car insurance 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 freely 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 dining (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 through the travel portal 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-back to offset your purchases, as this is the most flexible option and redemptions start at as little as $1.

Alternative Cards to the Wells Fargo Autograph Card

Citi® Double Cash 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.

Chase Sapphire Preferred® Card

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.

Featured Image Credit: Wells Fargo

Frequently asked questions

What are the benefits of the Wells Fargo Autograph card?

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 rental car insurance.

Am I eligible for the Wells Fargo Autograph card if I already have a Wells Fargo card?

Yes, if you already have a Wells Fargo credit card you are still eligible for the Wells Fargo Autograph card. You can either call Wells Fargo to inquire about product changing your card, but you would not receive the welcome bonus. You could also apply for the card outright.

Can I earn points on travel purchases with the Wells Fargo Autograph card?

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.

Does the Wells Fargo Autograph card have an annual fee?

No, the Wells Fargo Autograph card does not have an annual fee.

Does the Wells Fargo Autograph card charge foreign transaction fees?

No, the Wells Fargo Autograph card does not charge foreign transaction fees.

About Jarrod West

Jarrod has been writing about the ins and outs of credit cards and loyalty programs, along with airlines and hotels, for over 6 years. He is regularly called upon to share his expertise on the latest news within the space, and has been featured in publications such as The New York Times, RetailMeNot, and Yahoo! Finance. Jarrod has over 20 credit cards in his wallet and has tested out dozens more in order to vet the very best card options for readers. As he is constantly sampling new cards, Jarrod also earns (and redeems) over 1 million points and miles each year. This allows him to book luxury travel experiences the world over, and save tens of thousands of dollars in the process.

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