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The
The no-annual-fee
Wells Fargo Autograph Card Review
The
Depending on your spending habits, other no-annual-fee cash-back cards could be a better fit for you. Be sure to assess your typical expenses before you commit to this card — if you don't spend a lot in the bonus categories, you'll be stuck earning just 1 point per dollar on your other purchases.
If that's the case, a card like the
Wells Fargo Autograph Card Benefits and Features
Despite having a
Introductory 0% APR
If you have big expenses approaching, the
That's not the longest zero-interest credit card 0% APR offer available today, but it's still a decent deal. Just be sure you have the means and a plan to pay off your balance before the intro period expires, otherwise, you may be on the hook for high interest charges.
Cell phone protection
There are only a handful of no-annual-fee cards out there that come with cell phone protection, including the
There's a maximum of two claims per 12-month period, and coverage is secondary to other insurance you may have, like cell phone insurance programs, homeowner's, renter's, automobile, or employer's policies. Keep in mind, too, that lost phones are not covered. You can read about all the exclusions and limitations here.
Car rental insurance
When you use the
In the US, this coverage is secondary to any personal auto insurance you may have; otherwise, it's primary rental car insurance regardless of your other coverage.
Travel and emergency services assistance
If you're away from home and run into an emergency, as a
Roadside dispatch
If you run into trouble while driving, you can call the 24/7 dispatch network to arrange services like standard towing, tire changing, lockout service, and fuel delivery. There is a cost for each service, currently set at $69.95.
Visa Signature Concierge
If you need help finding and booking travel itineraries, dinner reservations, event tickets, and more, you can call the Visa Signature Concierge hotline for assistance. You'll be responsible for the costs associated with anything you book.
Visa Signature Luxury Hotel Collection
As a Visa Signature card, the
Emergency cash disbursement and card replacement
If you lose your
My Wells Fargo Deals
My Wells Fargo Deals are offers for cash back when you shop with certain merchants such as Starbucks and Airbnb, meet any specified requirements, and pay with your
Wells Fargo Autograph Card Rewards
Wells Fargo Autograph welcome bonus offer
The
This is a good bonus for a no-annual-fee card, and the relatively low minimum spending requirement makes it easy to earn.
How to Earn Rewards from the Wells Fargo Autograph
The
- Dining (eating places and restaurants, drinking places, fast food restaurants, caterers)
- Travel (airlines, hotels, motels, timeshares, car rentals, cruise lines, travel agencies, discount travel sites, campgrounds)
- Gas (gas stations, automated fuel dispensers, and electric vehicle charging stations)
- Transit (passenger railways, taxis, limousines, ferries, toll bridges and highways, parking lots, and garages)
- Popular streaming services (cable and other pay television, digital goods, books, movie, music, and continuity/subscription services)
- Phone plans (landline and cell phone providers)
All other purchases earn 1 point per dollar, so this isn't a good card to use for non-bonus category spending.
Of note here is the popular streaming services category, which actually includes cable and other types of pay television. In addition, the streaming services that qualify (listed in full here) currently include:
- Apple Arcade
- Apple Fitness+
- Apple Music
- Apple News+
- Apple TV+
- Disney+
- ESPN+
- Pandora Plus
- Pandora Premium
- Peacock
- Prime Video
- Sling TV
- Spotify Premium
- YouTube TV
How to use Wells Fargo Autograph Rewards
Cardholders have a wide variety of ways to redeem Wells Fargo rewards. Points are worth 1 cent each, and you can cash them in for:
- Purchases you've already made on your account (in the form of a statement credit)
- A credit to a qualifying Wells Fargo checking account, credit card, or mortgage (applied to the principal balance)
- Gift cards
- Flights, hotels, or car rentals through Wells Fargo Rewards
- Pay with points at participating merchants, such as PayPal
Note that cash redemptions online or by phone are available in $25 increments only; if you choose to make a redemption via a withdrawal from a Wells Fargo ATM, it's in $20 increments.
Cardholders also have the option to transfer points to another Wells Fargo Rewards account they own, share them with another Wells Fargo customer, or add them to an existing rewards pool.
Unlike many popular travel credit cards, there's no option to transfer your points to airline and hotel partners for outsized value. You'll always get the same value per point, no matter how you redeem.
Wells Fargo Autograph Card Annual Fee and Other Costs
The
Like most other cards, there are fees for other activities, including:
- Cash advances
- Balance transfers
- Late payments
If you're looking for a balance transfer credit card, you'll want to look elsewhere, either with another Wells Fargo credit card (such as the
How the Wells Fargo Autograph Card Compares
Wells Fargo Active Cash vs Wells Fargo Autograph
The
Looking solely at each card's welcome bonus value, they stack up similarly. The
The main difference between the Active Cash and Autograph is their earning rates. If you don't want to remember bonus categories and prefer simplicity, the
However, if you spend a lot in the
These cards' benefits are roughly similar, with one major difference: their intro APR offers. With the
Wells Fargo Autograph Card Frequently Asked Questions (FAQ)
Is the Wells Fargo Autograph card worth it?
The
What credit score do you need to get the Wells Fargo Autograph card?
The
Is the Wells Fargo Autograph metal?
Yes, the
Does the Wells Fargo Autograph have foreign transaction fees?
No, the
Why You Should Trust Us: How We Reviewed the Wells Fargo Autograph Card
When Insider's credit cards team reviewed the
- Ease of use — Are the cards' rewards straightforward and simple to redeem, or is there a complicated earning structure? Are there various options for using rewards?
- Rewards earning potential — Does the card earn at a competitive rate compared to other cards of the same type? Are there generous, useful bonus categories, and are any of them capped at a spending limit?
- Card features — Most no-annual-fee credit cards are light on benefits. Does the card offer perks that you wouldn't expect, like cell phone protection, travel insurance, or statement credits?
- Annual fee — If the card has an annual fee, is it justified? Do the card's earning potential and other perks make paying a fee worth it?
To read more about our methodology, check out Insider's guide to how we rate credit cards.