Wells Fargo Autograph Card
A no-annual-fee rewards card earning an unlimited 3x points across a broad set of popular categories including dining, travel, gas, transit, streaming and phone plans.
Why it ranks
- No annual fee
- Wide 3x categories
- No foreign transaction fee
What holds it back
- Low 1x base rate
- Limited transfer partners on its own
- No lounge access
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A no-annual-fee rewards card earning an unlimited 3x points across a broad set of popular categories including dining, travel, gas, transit, streaming and phone plans.
Wells Fargo Autograph Card at a glance
| Issuer | Wells Fargo |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | 20,000+ bonus points after meeting the minimum spend |
| Rewards rate | 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans, 1x on everything else |
| Intro APR | 0% intro APR on purchases for 12 months |
| Regular APR | 19.24%–29.24% variable |
| Foreign transaction fee | None |
| Credit needed | Good to Excellent (700+) |
| Best for | No-fee 3x rewards across many everyday categories |
| Airport lounge access | No |
Rewards & benefits
- Six broad 3x categories with no caps
- Cell phone protection when you pay your bill with the card
- Points can transfer to partners when paired with Autograph Journey
Eligibility & who it suits
- Good-to-excellent credit score
- Sufficient income to support the line
- Generally one Wells Fargo bonus per 16 months
How to apply
Check current rates on Wells Fargo’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | WFWells FargoAutographNo annual fee · US Wells Fargo Autograph CardNo-fee 3x rewards across many everyday categories |
None | 3x points on restaurants, travel, gas stations, transit, popular streaming servi… | 20,000+ bonus points after meeting the minimum spend | None | Good to Excellent (700+) | |
| 2 | CCitiRewards+No annual fee · US Citi Rewards+ CardSmall everyday purchases thanks to the round-up feature |
None | 2x at supermarkets & gas stations (first $6,000/yr, then 1x), 1x on all other pu… | 20,000+ bonus ThankYou Points after meeting the minimum spen… | 3% | Good (690+) | |
| 3 | RIReported in the newsNew Fintech Rewards Reported / Coming SoonNo annual fee · US New Fintech Rewards Card (Reported / Coming Soon)Readers tracking new card launches |
None | To be announced | To be announced | To be announced | To be announced | — |
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