Wells Fargo Autograph Card evaluate: Full particulars

The Wells Fargo Autograph® Card (see charges and costs) presents bonus factors in well-liked spending classes, simple redemptions at a flat fee and several other invaluable advantages that are not frequent on playing cards with no annual charge. Card score*: ⭐⭐⭐

*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

The Wells Fargo Autograph card is a well-liked choice for many who desire a bank card with no annual charge, journey and procuring protections and a high quality incomes construction. Extra eyes have been on the cardboard ever since Wells Fargo launched switch companions, permitting cardholders to get most worth from their factors.

The truth that the Autograph Card has no annual charge means there is not any price for conserving it in your pockets, so you possibly can take pleasure in advantages like cellphone safety and complimentary entry to your credit score rating for no added price, amongst different perks. We suggest a credit score rating of 670 or larger for this card.

This is a better take a look at the Wells Fargo Autograph Card.

Earn 20,000 bonus factors after spending $1,000 or extra in purchases within the first three months from account opening with the Wells Fargo Autograph.

In accordance with TPG’s July 2025 valuation, Wells Fargo factors are value 1.6 cents per level, making this supply value $320 when redeemed for journey.

It is value noting that almost all Wells Fargo bank card functions have the next phrases:

You could not qualify for an extra Wells Fargo-branded bank card in case you have opened a Wells Fargo-branded bank card within the final 6 months.

Earlier than making use of for a Wells Fargo card, be certain that it has been at the very least six months for the reason that final time you opened a card with them. Remember the fact that Wells Fargo could think about different components, like what number of complete credit score accounts you have opened lately, when contemplating your utility.

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TPG bank cards editor Olivia Mittak was denied for a Wells Fargo card for having too many new accounts previously 24 months, so preserve that stat in thoughts as effectively when deciding when to use.

Associated: The last word information to bank card utility restrictions

Since it is a Visa Signature card, you may take pleasure in two built-in advantages with the Wells Fargo Autograph.

The Visa Signature Luxurious Lodge Assortment supplies elitelike advantages on resort bookings made by means of its program, together with room upgrades on arrival (when accessible), a $25 meals and beverage credit score on the property, VIP visitor standing and complimentary breakfast for 2 every day.

The Visa Signature Concierge Service might help you with journey bookings, restaurant suggestions and reservations or reserving tickets to an occasion.

The Autograph Card additionally presents a number of protections on purchases made along with your card. Advantages embrace a secondary auto rental collision harm waiver on leases whenever you pay for your complete transaction along with your card, 24/7 roadside dispatch, journey and emergency companies help and free entry to your FICO credit score rating.

You will additionally obtain as much as $600 of cellphone safety in opposition to harm or theft whenever you pay your month-to-month invoice with the Autograph Card. Nonetheless, there’s a $25 deductible per declare and a restrict of two claims in a 12-month interval. Notice that this safety doesn’t cowl misplaced or lacking cellphones.

When you will not get lounge entry or assertion credit with this card, it is a stable vary of advantages for a no-annual-fee card.

Associated: Evaluating Visa Signature and World Elite Mastercard advantages

With the Wells Fargo Autograph, you may earn on the following charges:

• 3 factors per greenback spent on eating (contains takeout, catering and meals supply companies)
• 3 factors per greenback spent on journey (airfare, lodges, automotive leases, cruises and extra)
• 3 factors per greenback spent at gasoline stations and electrical car charging stations,
• 3 factors per greenback spent on transit, eligible streaming companies and telephone plans
• 1 level per greenback spent on different purchases

On condition that, in line with TPG’s July 2025 valuation, Wells Fargo factors are value 1.6 cents every, you may get a 4.8% return in your spending in these bonus classes.

It is uncommon to see telephone plans as a bonus class on a private card. Usually, that class pops up on enterprise playing cards.

Associated: The very best rewards bank cards for every bonus class

You could have a number of choices for redeeming your factors at wellsfargo.com/rewards. You’ll be able to redeem them at a worth of 1 cent apiece as an announcement credit score, for present playing cards (in $25 increments), or to guide journey, corresponding to flights, rental vehicles or resort stays.

You can even redeem factors as a credit score to a qualifying Wells Fargo bank card, checking account or mortgage. Plus, you possibly can pay with factors at collaborating retailers, together with PayPal.

There are positives and negatives to those redemption choices.

On the plus aspect, you by no means need to guess what your factors shall be value whenever you use them. Utilizing these redemption choices means you may all the time get a worth of 1 cent per level.

On the adverse aspect, these aren’t the most effective redemption choices, since you may get extra worth out of your factors by benefiting from Wells Fargo’s switch companions.

Associated: Wells Fargo Rewards program: Find out how to earn, redeem and switch factors

With the Wells Fargo Autograph, you’ll take pleasure in entry to switch companions to maximise the worth of your factors. Wells Fargo has the next switch companions:

Whereas this record is not almost so long as different credit score issuers’, it is nonetheless a wide selection. Wells Fargo will doubtless add further companions sooner or later, so preserve an in depth eye on this record.

Associated: Bank card switch companions: Information to transferring factors and miles to airways and lodges

When contemplating playing cards that compete with the Wells Fargo Autograph, two sorts instantly come to thoughts: playing cards that earn transferable rewards and bank cards with comparable incomes constructions.

For extra choices, take a look at our full record of the greatest journey playing cards.

Learn extra: Chase Sapphire Most popular vs. Capital One Enterprise Rewards

The Wells Fargo Autograph is greatest for many who desire a no-annual-fee card with good advantages like cellphone safety and credit score rating entry. This card grants entry to a high quality choice of switch companions, making it an excellent match for journey freshmen and fans alike.

These searching for a card with no annual charge and entry to switch companions could benefit from the Wells Fargo Autograph. If you happen to’re searching for a card that provides extra switch companions, nonetheless, going with one other issuer, like Chase or Capital One, makes extra sense.

Apply right here: Wells Fargo Autograph