The Wells Fargo Autograph Card offers Generous Sign-Up Bonus.
The Wells Fargo Autograph® Card is a great choice for those looking to earn rewards on everyday spending without worrying about an annual fee. With 3X points on essential categories like dining, travel, gas stations, streaming, and transit.
New cardholders can earn a 20,000-point welcome bonus after spending $1,000 within the first three months, translating to $200 in rewards. This bonus offers a strong start for those looking to maximize their benefits right away.
A key advantage of this card is the lack of foreign transaction fees, making it ideal for frequent travelers who want to save on international purchases. Additionally, a 0% introductory APR on purchases for 12 months provides added financial flexibility.
For those seeking a high-reward credit card with no annual fee, versatile redemption options, and strong travel perks, the Wells Fargo Autograph® Card is a valuable and practical option. Keep reading to explore how it aligns with your financial needs.
Wells Fargo Autograph
No Annual Fee Generous Sign-Up BonusHow Does the Wells Fargo Autograph Work?
The Wells Fargo Autograph works by rewarding you with points every time you use the card. Instead of dealing with rotating bonus categories, you earn 3X points on specific everyday purchases, making it easy to accumulate rewards.
You get 3X points on dining, travel, gas stations, transit, popular streaming services, and phone plans. All other purchases earn 1X points per dollar spent, ensuring that you continue earning rewards no matter what you buy.
Once you earn points, you can redeem them in multiple ways. Whether you prefer to use them for travel, gift cards, or statement credits, the flexibility allows you to make the most of your rewards.
The best part? Your points never expire as long as your account remains open. This means you can save up for larger redemptions without worrying about losing your earned rewards.
Main Benefits of the Wells Fargo Autograph Card
The Wells Fargo Autograph Card provides a range of benefits designed to appeal to a variety of cardholders who want to maximize their rewards:
- 3x Points on Dining, Travel, and Streaming: With 3x points on dining, travel, and streaming services, the Wells Fargo Autograph Card is great for people who frequently spend in these categories.
- Generous Sign-Up Bonus: The 20,000-point welcome bonus after spending $1,000 in the first three months is a solid offer.
- 0% Introductory APR: The 0% introductory APR on purchases and balance transfers for the first 12 months can be a big advantage.
- No Annual Fee: The fact that there is no annual fee for the Wells Fargo Autograph Card makes it an affordable rewards card.
- Flexible Redemption Options: The card’s points can be redeemed for a variety of rewards, including cash back, travel, gift cards, or merchandise.
- Contactless Payments: The card supports contactless payments, which add an extra layer of convenience.
You will be redirected.
Cons of the Wells Fargo Autograph
While the Wells Fargo Autograph has many benefits, there are a few potential downsides to consider.
One of the biggest drawbacks is that the 3X rewards categories are limited. If your spending doesn’t align with these categories, you may not maximize your points earnings as much as other users.
Another issue is the APR after the introductory period. Once the 12-month 0% APR offer expires, the interest rate increases to a variable APR ranging from 19.24% to 29.24%, which can be costly for those who carry a balance.
Additionally, the card lacks premium travel benefits like airport lounge access or travel insurance, which some competing cards offer. If you’re looking for luxury travel perks, you may want to explore other options.
APR and Fees
The Wells Fargo Autograph offers a 0% introductory APR on purchases for the first 12 months. This makes it a great choice if you plan to make a large purchase and need extra time to pay it off without interest.
After the introductory period, the APR varies from 19.24% to 29.24% based on your creditworthiness. If you carry a balance, this high interest rate can add up quickly.
On the positive side, there is no annual fee, so you can enjoy the card’s rewards without worrying about extra costs. There are also no foreign transaction fees, making it a great choice for international spending.
However, late payments and cash advances come with additional fees. A late payment can cost up to $40, while cash advances incur a fee of either 5% of the amount or $10, whichever is greater. It’s best to make payments on time and avoid cash advances to minimize extra costs.
Conclusion
The Wells Fargo Autograph is a great option for anyone looking for a rewards credit card without an annual fee. With 3X points on dining, travel, gas, transit, and streaming services, it’s an excellent choice for everyday spending and frequent travelers.
The card also offers a valuable welcome bonus of 20,000 points, no foreign transaction fees, and a 0% intro APR for the first 12 months. These features make it a strong contender among no-fee rewards cards.
However, if you don’t spend much in the bonus categories, the rewards potential may be limited. Additionally, the high APR after the intro period means it’s best for users who can pay off their balance in full each month.
Overall, the Wells Fargo Autograph is a solid card for those who want a simple, high-earning rewards structure with flexible redemption options. If you’re looking for a reliable, fee-free rewards card, this one is worth considering.
BankAmericard® Credit Card 
Wells Fargo Reflect