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Home » Wells Fargo Autograph℠ Card: 3x on a bunch of useful categories, but limited benefits

Wells Fargo Autograph℠ Card: 3x on a bunch of useful categories, but limited benefits

Wells Fargo Autograph Card
Wells Fargo Autograph℠ Card

The Wells Fargo Autograph℠ Card offers generous cash rewards on a wide variety of dining, travel, gas, transit, streaming, and cell phone plan purchases. The Autograph℠ Card carries no annual fee.

The card earns unlimited 3x points on a long list of categories, including restaurants, travel, gas, transit, popular streaming services and phone plans. The Autograph℠ Card earns 1 point per dollar on all other eligible purchases.

The Wells Fargo Autograph℠ Card doesn’t offer any extended warranty protection, but it does offer $600 of cellular telephone protection when you pay your monthly cell phone bill with the card. The card also offers secondary auto rental collision damage waiver insurance for car rentals inside the United States. Outside the U.S. the auto rental collision damage waiver insurance is primary. Terms apply.

Wells Fargo Autograph℠ Card welcome bonus:

bonus_miles_full

Click here to learn more and apply.

Our take on the welcome bonus: The current welcome offer on the Wells Fargo Autograph Card is the best offer we’ve seen on this card.

The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.

The Wells Fargo Autograph℠ Card card art

Wells Fargo Autograph℠ Card at a glance:
Annual fee: $0.
Rewards: 3x restaurants. 3x travel. 3x gas and EV charging. 3x transit. 3x popular streaming services. 3x cell phone providers. 1x everywhere else.
Benefits: Cell phone protection. Secondary auto rental collision damage waiver.

Wells Fargo Autograph℠ Card at a glance

Here’s what you need to know about the Wells Fargo Autograph℠ Card.

Rewards

3xRestaurants. Dining in, take-out, catering, delivery, and more.
+ 3xGas stations and EV charging stations.
3xTravel. Airfare, hotels, car rentals, cruises, campgrounds, timeshares, travel agencies and discount travel sites.
3xTransit. Subways, ride shares, parking, and tolls
3xPopular streaming services.
3xCell phone and landline providers.
1%All other purchases
Rewards of the Wells Fargo Autograph℠ Card

The Wells Fargo Autograph℠ Card earns points which can be redeemed for cash back or other redemptions.

Benefits

Consumer insurance benefits
Cellular telephone protection
Travel insurance benefits
Secondary auto rental collision damage waiver insurance

Other important terms

Annual fee: $0
Foreign currency conversion fee: 0%

My take on the card

If you want a no-annual-fee credit card that earns extra points on categories like restaurants, travel, gas, transit, streaming and phone plans, the Wells Fargo Autograph℠ Card is a great option.

Most people can get better rewards on travel and everyday purchases like groceries with other no-annual-fee cards and you might want to consider another card for purchases with warranties. The Wells Fargo Autograph℠ Card doesn’t offer an extended warranty benefit or purchase protection.

I do not carry this card.

Welcome bonus

Wells Fargo Autograph℠ Card welcome bonus:

bonus_miles_full

Click here to learn more and apply.

Our take on the welcome bonus: The current welcome offer on the Wells Fargo Autograph Card is the best offer we’ve seen on this card.

The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.

The Wells Fargo Autograph℠ Card card art

Wells Fargo Autograph℠ Card at a glance:
Annual fee: $0.
Rewards: 3x restaurants. 3x travel. 3x gas and EV charging. 3x transit. 3x popular streaming services. 3x cell phone providers. 1x everywhere else.
Benefits: Cell phone protection. Secondary auto rental collision damage waiver.

A few notes on applying for Wells Fargo credit cards

  • You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months.
  • You can get a new customer welcome bonus on Wells Fargo cards multiple times.
  • Wells Fargo typically wants you to have an account with them before they will approve you for credit cards. If you are interested in this card, but aren’t yet a Wells Fargo customer, the bank offers checking accounts that waive the monthly service fee when you keep a $500 balance.
  • Wells Fargo allows you to check for pre-selected credit card offers on their website with no impact to your credit score.
  • You can check your application status by calling 1-800-967-9521.

Wells Fargo Autograph℠ Card rewards

The Wells Fargo Autograph℠ Card awards 1 point per dollar spent on general purchases. The card also offers unlimited 3x rewards for spending across a bunch of popular categories. Here are the details:

3xRestaurants. Dining in, take-out, catering, delivery, and more.
+ 3xGas stations and EV charging stations.
3xTravel. Airfare, hotels, car rentals, cruises, campgrounds, timeshares, travel agencies and discount travel sites.
3xTransit. Subways, ride shares, parking, and tolls
3xPopular streaming services.
3xCell phone and landline providers.
1%All other purchases
Rewards of the Wells Fargo Autograph℠ Card

The Wells Fargo Autograph℠ Card earns points which can be redeemed for cash back or other redemptions.

Redeeming Wells Fargo Autograph℠ Card rewards

The points you earn with your Wells Fargo Autograph card can be redeemed for cash redemption options, charitable donations, merchandise, physical and electronic gift cards or travel.

Cash back redemption options will provide the best value for the points you earn with your Wells Fargo Autograph card. We have not identified any ways to increase the value of your points beyond the value you can get for a cash redemption.

Benefits of the Wells Fargo Autograph℠ Card

The Wells Fargo Autograph℠ Card is notably light on benefits, but the card does offer cell phone protection and a secondary auto rental collision damage waiver. Here are the details.

Consumer insurance benefits

Many cards offer consumer insurance benefits that can protect the things you buy. Here are the consumer insurance benefits offered by the Wells Fargo Autograph℠ Card. Terms and restrictions apply to all benefits.

Cell phone protection – Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible). Terms apply. Learn more about cell phone protection.

Travel insurance benefits

The Wells Fargo Autograph℠ Card offers a secondary auto rental collision damage waiver benefit, but not much else in the way of travel benefits. Here are the details.

Secondary auto rental collision damage waiver insurance – Auto rental collision damage waiver insurance provides reimbursement for damage to a rental car caused by theft or collision. The coverage you get with the Wells Fargo Autograph card is secondary coverage within your country of residence and primary outside of your country of residence.

Should you keep the Wells Fargo Autograph card after the first year?

The Wells Fargo Autograph Card has an annual fee of $0. Even if you don’t use the card, keeping it open and occasionally putting spending on a no-annual-fee credit card can help you build your credit. It can also help you maintain your relationship with Wells Fargo, allowing you to access other credit cards.

The card’s many useful bonus categories offer 3x point earning across a wide swath of spending. Chances are you’ll find plenty of value in the Wells Fargo Autograph card for ongoing spending.

This card is issued as a Visa Signature card, which means it comes with the standard set of Visa Signature benefits. Learn more about Visa Signature card benefits at Visa’s website.

All credit card benefits have coverage limits, exclusions and limitations. See your card’s Guide to Benefits for specific details on what is covered.

Frequently asked questions

Can the Wells Fargo Autograph card points be transferred to airlines?

The Wells Fargo Autograph Card’s points can not currently be transferred to airlines or travel partners, but there have been rumors that this feature is coming.

Is the Autograph card good for groceries?

The Wells Fargo Autograph℠ Card isn’t a great card for groceries as it only earns 1x points in this category. You can pretty easily earn 6% cash back on groceries with one of the best grocery cards.