Wells Fargo Autograph Card assessment: Full particulars

Wells Fargo Autograph Card overview

The Wells Fargo Autograph® Card (see charges and costs) gives bonus factors in fashionable spending classes, simple redemptions at a flat price and several other beneficial advantages that are not widespread on playing cards with no annual payment. Card score*: ⭐⭐⭐

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

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The Wells Fargo Autograph card is a well-liked possibility for many who need a bank card with no annual payment, journey and purchasing 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 payment means there is not any price for holding it in your pockets, so you may get pleasure from 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.

Here is a better have a look at the Wells Fargo Autograph Card.

Wells Fargo Autograph professionals and cons

Wells Fargo Autograph card welcome supply

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 line 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 the majority Wells Fargo bank card functions have the next phrases:

You might not qualify for an extra Wells Fargo-branded bank card if 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, ensure it has been a minimum of six months for the reason that final time you opened a card with them. Remember the fact that Wells Fargo could take into account different components, like what number of complete credit score accounts you’ve got opened not too long ago, when contemplating your utility.

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

Associated: The last word information to bank card utility restrictions

Wells Fargo Autograph card advantages

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

The Visa Signature Luxurious Lodge Assortment offers 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 gives 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 may additionally obtain as much as $600 of cellphone safety towards harm or theft whenever you pay your month-to-month invoice with the Autograph Card. Nevertheless, there’s a $25 deductible per declare and a restrict of two claims in a 12-month interval. Observe 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 strong vary of advantages for a no-annual-fee card.

Associated: Evaluating Visa Signature and World Elite Mastercard advantages

Incomes factors with the Wells Fargo Autograph card

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

• 3 factors per greenback spent on eating (consists of takeout, catering and meals supply companies)
• 3 factors per greenback spent on journey (airfare, accommodations, automobile leases, cruises and extra)
• 3 factors per greenback spent at fuel stations and electrical automobile 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 accordance 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

Redeeming factors with the Wells Fargo Autograph card

You could have a number of choices for redeeming your factors at wellsfargo.com/rewards. You may redeem them at a price of 1 cent apiece as a press release credit score, for present playing cards (in $25 increments), or to ebook journey, equivalent to flights, rental automobiles 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 may pay with factors at taking part 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 can be value whenever you use them. Utilizing these redemption choices means you may all the time get a price of 1 cent per level.

On the unfavorable aspect, these aren’t the perfect redemption choices, since you will get extra worth out of your factors by profiting from Wells Fargo’s switch companions.

Associated: Wells Fargo Rewards program: earn, redeem and switch factors

Transferring factors with the Wells Fargo Autograph card

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

Whereas this listing 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 hold an in depth eye on this listing.

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

Which playing cards compete with the Wells Fargo Autograph card?

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 buildings.

For extra choices, try our full listing of the perfect journey playing cards.

Learn extra: Chase Sapphire Most well-liked vs. Capital One Enterprise Rewards

Is the Wells Fargo Autograph card value it?

The Wells Fargo Autograph is greatest for many who need 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 incredible match for journey learners and lovers alike.

Backside line

We hardly ever see a card with out an annual payment that gives a number of protections and robust incomes classes.

These in search of a card with no annual payment and entry to switch companions could benefit from the Wells Fargo Autograph. For those who’re in search of a card that gives extra switch companions, nonetheless, going with one other issuer, like Chase or Capital One, makes extra sense.

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Apply right here: Wells Fargo Autograph

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