Wells Fargo Autograph Card: A Top No-Annual-Fee Rewards Card

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Rates, fees, offers at a glance

	Wells Fargo Active Cash
Annual Fee	– $0
Rewards rates	– 1x-3x
Sign up bonus	– Limited Time Offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months – that’s a $300 cash redemption value.
foreign transaction fee	– None
Intro APR	– 0% intro APR on Purchases for 12 months from account opening
Ongoing APR	– APR: 20.24%, 25.24%, or 29.99% Variable APR Cash Advance APR: Refer to Important Credit Terms
Balance transfer fee	– up to 5%, min: $5
Additional benefits	– 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.

Wells Fargo Autograph℠ Card: A Top No-Annual-Fee Rewards Card

Introduction to the Wells Fargo Autograph℠ Card

The Wells Fargo Autograph℠ Card is a no-annual-fee rewards credit card that offers an impressive 3X points per dollar on popular spending categories like dining, travel, gas, streaming, and phone plans. With a valuable welcome bonus, strong earning potential, and travel-friendly perks, it’s one of the best no-annual-fee credit cards available.

Whether you’re looking for a well-rounded everyday rewards card or a travel-friendly option with no foreign transaction fees, the Wells Fargo Autograph℠ Card is worth considering.

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Key Benefits of the Wells Fargo Autograph℠ Card

✔ Welcome Bonus: Earn 20,000 bonus points after spending $1,000 in the first 3 months—worth $200 in redemptions
✔ Bonus Categories: Earn 3X points on dining, travel, gas, transit, streaming, and phone plans
✔ 1X points on all other purchases
✔ No annual fee
✔ No foreign transaction fees—ideal for travelers
✔ Flexible redemption options for cash back, travel, gift cards, and more
✔ Cell phone protection (up to $600 when you pay your bill with the card)

With a strong earning structure and valuable benefits without an annual fee, the Wells Fargo Autograph℠ Card is an excellent choice for everyday spending and travel.

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Rewards & Earning Structure

Welcome Bonus

• Earn 20,000 bonus points after spending $1,000 in the first 3 months
• Value: $200 in cash back, travel, or gift cards

Ongoing Earning Rates

• 3X points per $1 on:
  • Restaurants & dining
  • Travel (airfare, hotels, car rentals)
  • Gas stations & EV charging
  • Transit (rideshare, parking, tolls)
  • Select streaming services
  • Cell phone plans
• 1X points per $1 on all other purchases

💡 Pro Tip: The 3X categories make it one of the best no-annual-fee credit cards for everyday spending, especially if you dine out, travel, or use streaming services frequently.

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Best Ways to Redeem Wells Fargo Autograph℠ Points

The Wells Fargo Autograph℠ Card earns Wells Fargo Rewards Points, which offer versatile redemption options:

1. Cash Back (Best Option: 1 cent per point)

✔ Redeem points for statement credits or direct deposits to a Wells Fargo account
✔ 20,000 points = $200 cash back

2. Travel & Experiences

✔ Book flights, hotels, car rentals, and more through Wells Fargo Rewards Travel Portal
✔ Value: 1 cent per point

3. Gift Cards & Merchandise

✔ Redeem points for gift cards from popular retailers and restaurants
✔ Value: 1 cent per point

4. Pay with Points at Checkout

✔ Use points to pay for purchases at select merchants
✔ Redemption values may be lower than 1 cent per point—best to use for cash back or travel

💡 Pro Tip: Stick to cash back or travel redemptions for the best value.

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Additional Perks & Benefits

No Foreign Transaction Fees

• Unlike many no-annual-fee credit cards, the Autograph℠ Card charges no foreign transaction fees
• Ideal for international travelers

Cell Phone Protection

• Get up to $600 in cell phone protection (subject to a $25 deductible) when you pay your phone bill with the card
• Covers damage and theft, making it a valuable perk

Visa Signature Benefits

• Access concierge services, travel discounts, and extended warranties
• Includes auto rental collision damage waiver (secondary coverage)

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Wells Fargo Autograph℠ Card vs. Competitors

Feature	Wells Fargo Autograph℠	Chase Freedom Flex℠	Capital One SavorOne
Annual Fee	$0	$0	$0
Welcome Bonus	20,000 points ($200)	$200 cash back	$200 cash back
Best Earning Rate	3X on dining, travel, gas, transit, streaming, phone plans	5% rotating categories, 3% dining & drugstores	3% dining, streaming, groceries
Foreign Transaction Fees	None	3%	None
Cell Phone Protection	Yes	No	No

✔ Best for everyday spending: Wells Fargo Autograph℠
✔ Best for rotating 5% categories: Chase Freedom Flex℠
✔ Best for dining and entertainment: Capital One SavorOne

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Who Should Get the Wells Fargo Autograph℠ Card?

✔ Anyone who wants a strong rewards card with no annual fee
✔ Travelers who want no foreign transaction fees
✔ People who spend on dining, gas, travel, and streaming
✔ Cardholders looking for built-in cell phone protection
✔ Anyone who prefers simple, flexible rewards

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Bottom Line: Is the Wells Fargo Autograph℠ Card Worth It?

The Wells Fargo Autograph℠ Card is one of the best no-annual-fee rewards cards, offering:

✔ 3X points on dining, travel, gas, streaming, and more
✔ A solid $200 welcome bonus
✔ No foreign transaction fees
✔ Flexible redemptions for cash back, travel, and gift cards
✔ Built-in cell phone protection

If you want a versatile, no-annual-fee rewards card with strong bonus categories and travel-friendly perks, the Wells Fargo Autograph℠ Card is a fantastic choice.