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19 Benefits of the Wells Fargo Autograph Card [$1,540+ Value]

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Christine Krzyszton
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Christine Krzyszton

Senior Finance Contributor

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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
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Finding an everyday credit card that earns elevated rewards on every purchase can be challenging. The Wells Fargo Autograph℠ Card takes on that challenge with strong earnings and surprising benefits for a $0-annual-fee card.

The card won’t burden you with associated fees or limit your choices at redemption time, either.

In today’s article, we expand on all the reasons to consider the Wells Fargo Autograph card, including how it delivers bottom-line value as a card for everyday purchases.

We’ll also estimate the potential value you could receive in the first year of card membership.

Wells Fargo Autograph Card Benefits

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Wells Fargo Autograph Card BenefitUP’s Valuation*
Earn Valuable Points
  • Earn a Welcome Bonus
  • Earn by Spending Every Day on Your Card
$740
Save on Card Fees
  • No Annual Fee
  • No Foreign Transaction Fees
  • Introductory 0% APR on Purchases
  • No Charge To Add Authorized Users
Value Varies
Redeeming Your Rewards 
  • Redeem Points for Travel
  • Transfer Points to Airline Partners
  • Transfer Points to Choice Privileges
  • Additional Redemption Options
Value Varies
Travel Protections and Benefits
  • Auto Rental Collision Damage Waiver 
  • Roadside Dispatch
  • Emergency Cash and Card Replacement
  • Travel and Emergency Assistance Services
  • Visa Signature Luxury Hotel Collection
  • Visa Signature Concierge
$200
Shopping Protections and Benefits 
  • Cell Phone Protection
  • My Wells Fargo Deals
  • Autograph Card Exclusives
$600
Total Value$1,540+
Annual Fee$0

* The bonus value of the welcome offer and the value of benefits are estimated valuations calculated by UP after analyzing redemption options, transfer partners, award availability, and how much UP would pay to buy these points.

Wells Fargo Autograph Card Overview

Wells Fargo Autograph℠ CardRates & Fees
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.

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

Learn More(at Wells Fargo's secure site)
The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
20,000 points
$0
0% intro APR for 12 months from account opening on purchases, 20.24%, 25.24%, or 29.99% variable APR thereafter.
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)

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.

Pros
  • 3x points per $1 spent on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
  • 1x points per $1 spent on other purchases
  • No annual fee
Cons
    • Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized value
  • 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. 20.24%, 25.24%, or 29.99% 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.
Financial Snapshot
  • APR: 0% intro APR for 12 months from account opening on purchases, 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • Foreign Transaction Fees: None

Earn Valuable Points [$740+]

happy friends eating and drinking at restaurant
Earn rewards when dining out and using your Wells Fargo Autograph card to pay. Image Credit: Syda Productions via Adobe Stock

1. Earn a Welcome Bonus ($200)

Once approved for the Wells Fargo Autograph card, you’ll have the opportunity to earn a welcome bonus:

  • Earn 20,000 bonus points when spending $1,000 in purchases in the first 3 months.

The Wells Fargo Autograph card earns Wells Fargo Rewards points on every purchase. We’ll discuss your options for redeeming those rewards shortly.

First, we’ll look at how you’ll earn points on every purchase you make with your card.

2. Earn by Spending Every Day on Your Card ($540)

Every purchase on the Wells Fargo Autograph card earns valuable base reward points. Points add up quickly when earning bonus points on select purchases.

Purchases in these select bonus categories earn 3x bonus points per dollar spent:

  • Gas Stations
  • Phone plans
  • Popular streaming services
  • Restaurants
  • Transit
  • Travel

All other purchases earn 1 base point per dollar spent.

If you spent just $1,500 monthly in 3x earning categories, you would earn 54,000 Wells Fargo points annually ($1,500 x 3 x 12 months). At a modest valuation of 1 cent each, those points would be worth $540.

Bottom Line:

Earn a welcome bonus offer by meeting minimum spending requirements within the specified period after card approval. Bonus earning categories include gas stations, phone plans, restaurants, select streaming services, transit, and travel.

Save on Card Fees [Value Varies]

It won’t set you back a large sum of money to keep the Wells Fargo Autograph card in your wallet. Here are some ways you’ll save on fees with the card.

3. No Annual Fee

The Wells Fargo Autograph card has a $0 annual fee, which means you can keep the card as long as you desire. Credit longevity can play a role in building a good credit history.

A typical rewards-earning card with similar attributes could be $95.

4. No Foreign Transaction Fees

Take the Wells Fargo Autograph card when you travel abroad, knowing you won’t be charged foreign transaction fees on any of those purchases.

A typical foreign transaction fee is 3%. If you spent $1,000 abroad, you would save $30.

5. Introductory 0% APR on Purchases

Save money on interest rates with a 0% intro APR for 12 months from account opening on purchases, 20.24%, 25.24%, or 29.99% Variable APR thereafter.

If you have a large purchase(s) coming up, paying the balance back over time without interest charges could provide significant savings.

6. No Charge To Add Authorized Users

Earning rewards is a family affair when it comes to everyday purchases. You can add family members (or trusted friends) to your card account without an extra fee.

Purchases made by the authorized user earn rewards that are applied to the primary cardholder’s account. Be aware, the primary cardholder is also responsible for all authorized user charges.

Bottom Line:

The Wells Fargo Autograph card can save you money on fees. The card has a $0 annual fee, no foreign transaction fees, an introductory 0% APR on purchases, and no charge to add authorized users.

Redeeming Your Rewards [Value Varies]

British Airways Boeing 777 200 Club World cabin middle
Transferring Wells Fargo points to airline or hotel partners can help you book flights or hotels for that family vacation. British Airways Boeing 777-200 Club World. Image Credit: Daniel Ross

Earning rewards is a key factor when selecting the right card for everyday purchases.

The actual value you receive will be determined when it’s time to redeem those rewards. Fortunately, the Wells Fargo Autograph card offers several great options.

7. Redeem Points for Travel

Use your rewards to book flights, hotels, and car rentals via the Wells Fargo Rewards portal. Points are worth 1 cent each toward travel.

8. Transfer Points to Airline Partners

Wells Fargo points transfer to airline partners at a ratio of 1:1. Partner programs currently include Air Lingus AerClub, Air France/KLM Flying Blue, Avianca LifeMiles, British Airways Executive Club, and Iberia Plus. More could be added in the future.

This means 25,000 Wells Fargo points will equal 25,000 miles or Avios (the currency used by several airline partners listed above). And, yes, 25,000 miles can be enough for a one-way off-peak flight to Europe. It’s possible to fly for less when Flying Blue offers a sale.

9. Transfer Points to Choice Privileges

While transferring Wells Fargo points to airline partners has the potential for good value, transferring points at a 1:2 ratio to the Choice Privileges hotel loyalty program can also be a good option.

Transferring 10,000 Wells Fargo points to Choice Privileges will result in 20,000 Choice points. You can book some extraordinary hotels for 20,000 points.

An example would be the Clarion Hotel at Copenhagen Airport, a convenient, upscale property close to all the city sights. And, it’s just 20,000 Choice points per night. The Clarion Helsinki is an equally desirable property at 20,000 points per night.

Scandinavia is a sweet spot for using Choice points, but you’ll find good value worldwide. Here’s a great list of creative ideas for redeeming Choice points.

By transferring points to airline and hotel partners, you may receive value beyond the 1 cent per point. If you received 2 cents per point, you would gain another $540 in additional value on the 54,000 points you earned.

10. Additional Redemption Options

Redeem your rewards for 1 cent each toward a statement credit, shop at select retailers, or use your rewards to purchase gift cards.

Bottom Line:

Transferring Wells Fargo points earned on the Wells Fargo Autograph card to airline and hotel partners can result in the greatest potential value for your points. You can also redeem your points for a statement credit, gift cards, and more.

Travel Protections and Benefits [$200+]

Park Hyatt Dubai terrace
Travel benefits on the Wells Fargo Autograph card include Visa Signature Luxury Hotel Collection benefits. Park Hyatt Dubai. Image Credit: Juan Ruiz

Because the Wells Fargo Autograph card is a Visa Signature card, several travel protections and benefits are included with card membership.

11. Auto Rental Collision Damage Waiver ($100)

Reserve and pay for your entire car rental with your card, decline the rental agency’s CDW/LDW coverage, and receive an auto rental collision damage waiver. Coverage is secondary, which means you must first file a claim with any other applicable coverage before card coverage applies. Certain vehicles are not covered, and terms apply.

Car rental CDW/LDW coverage can easily cost $20 a day. If you rented for 5 days a year, you would save $100.

12. Roadside Dispatch

Pay 1 prearranged service fee and receive limited towing, standard winching, lockout service, jumpstarting, tire changing of an inflated spare, and emergency fuel delivery service. Service is available 24/7 and there is no limit on how many times you may use the service.

13. Emergency Cash and Card Replacement

Assistance securing emergency cash or a card replacement during your travels is just 1 call away. Emergency cash (issued as a cash advance) can be transferred to a nearby financial institution for your pickup, and a replacement card can be provided in as few as 24 hours.

14. Travel and Emergency Assistance Services

Receive access to legal or medical referrals, translation services, lost luggage assistance, arranging emergency transportation, and more. Assistance is available 24/7 during your travels.

15. Visa Signature Luxury Hotel Collection ($100)

Receive several elite-style benefits when booking one of the 900+ properties in the Visa Signature Luxury Hotel Collection.

In addition to these benefits, you’ll have access to limited-time offers, including third- or fourth-night free and special on-site amenities:

  • Room upgrade on arrival, when available
  • Complimentary breakfast for 2
  • Complimentary Wi-Fi
  • $25 food/beverage credit
  • VIP Guest status
  • Late checkout on request, when available
  • Best rate guarantee

Using the benefit even once a year could provide at least $100 in value.

16. Visa Signature Concierge

Need assistance scoring those hard-to-get dinner reservations, event tickets, or travel bookings? The Visa Signature concierge is available 24/7 to help.

Shopping Protections and Benefits [$600+]

Shopping protections provide coverage should something go wrong with a covered purchase. Benefits can help save you money when you use your card for select purchases.

Here are the protections and benefits found on the Wells Fargo Autograph card:

17. Cell Phone Protection ($600)

Pay for your monthly cell service with your card and receive protection for damage or theft, up to $600 per claim. Coverage includes repair or replacement with a maximum limit of 2 claims, up to $1,200 total, per 12-month period. There is a $25 deductible per claim.

18. My Wells Fargo Deals

My Wells Fargo Deals are offers from select merchants and service providers. Select the offers you like and earn additional rewards when you make the required purchase with your card.

19. Autograph Card Exclusives

As a Wells Fargo Autograph cardmember, you’ll receive exclusive ticket access to once-in-a-lifetime Autograph Card Exclusives events.

Final Thoughts

The Wells Fargo Autograph card is a smart choice for everyday purchases. The card has a strong earnings structure, earns transferrable rewards, and has a $0 annual fee, making it a creditable option.

The list of transfer partners isn’t as strong as some of the other transferrable rewards programs. However, the core selection of airline partners does provide access to additional airline alliance members, expanding the options.

The estimated values for each benefit are for illustration purposes. The actual value you receive will depend on the redemption option selected and the benefits you use.

You may also want to consider the Wells Fargo Autograph Journey℠ Card, a Wells Fargo-issued card for frequent travelers.

Frequently Asked Questions

Is the Wells Fargo Autograph card worth it?

Yes, the Wells Fargo Autograph card has strong earnings on everyday purchases, earns transferrable rewards, and has a $0 annual fee. In addition, the card comes with several travel/shopping protections, including cell phone protection.

What is the credit limit on the Wells Fargo Autograph card?

Wells Fargo will determine the maximum credit limit for the Wells Fargo Autograph card based on income and other related factors, including credit history. The minimum credit limit will be at least $1,000.

Does the Wells Fargo Autograph card come with purchase protection or extended warranty?

No, the Wells Fargo Autograph card benefits do not include purchase protection or extended warranty coverage.

What credit score do I need for the Wells Fargo Autograph card?

You will need a good to excellent credit score to be considered for the Wells Fargo Autograph card. A good score is generally considered 670 or above. Wells Fargo will also consider your credit history and income to determine eligibility.

Christine Krzyszton's image

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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