Car rental agency

Wells Fargo Autograph Card Review: 3X Rewards and No Annual Fee

GOBanking Rates Score

Quick take: Wells Fargo recently launched the Wells Fargo Autograph Card, a rewards credit card designed to increase rewards in certain everyday categories. If you currently bank with Wells Fargo or are looking for a new rewards card with no annual fee and the ability to earn 3X points, here are all the details available on the new introduction.
  • APY
  • Advantages
  • Awards
  • Customer service

How did we calculate this?


  • No annual fee
  • Sign-up bonus of 30,000 reward points after spending $1,500 on purchases in the first three months – a cash surrender value of $300
  • 3X rewards on restaurants, travel, gas stations, public transport, popular streaming services and phone plans
  • Generous 0% introductory offer on purchases

The inconvenients

  • Not initially available in all markets until mid-July 2022

Wells Fargo Autograph Card Overview

Wells Fargo occasionally introduces new credit cards to meet changing market needs. In 2021, Wells Fargo launched Active Cash and Reflect cards. For 2022, the financial institution launched the Wells Fargo Autograph Card to help cardholders maximize rewards points on everyday spending categories such as restaurants, travel, gas stations, public transportation, popular streaming services and phone plans.

Krista Phillips, Executive Vice President, Brand Cards and Marketing Manager for Wells Fargo Credit Cards, said, “Now more than ever, consumers want a card that lets them go their own way, from everyday adventures to annual breakouts.This card complements our other credit cards so we can offer customers real, transparent value no matter what they are looking for on their credit card.

Main characteristics

Wells Fargo Autograph Card received a high GOBankingRates score of 4.8 out of 5 based on four main characteristics.


Wells Fargo is offering an enticing introductory offer of 0% APR for the first 12 months after approval, a great opportunity to make large purchases and pay them back in installments for the first 12 months with no finance charges. After the introductory period, a rate of apply to.


One of the main selling points of the new card are the enrollment benefits and cardholder benefits. New cardholders can start their rewards journey with the chance to earn 30,000 bonus reward points after spending at least $1,500 in the first three months. This rewards bonus has a cash surrender value of $300.

Plus, cardholders get up to $600 in cell phone coverage — subject to a $25 deductible — when you pay your monthly wireless bill associated with your cell phone with your eligible Wells Fargo credit card. . Free coverage reimburses you for repairs or replacement of your mobile device if it is lost or damaged. However, cosmetic damage such as scratches or cracked screens, or any other type of damage that does not affect the functionality of the phone, is not covered.

With respect to travel, Collision Damage Waiver for Rental Cars is a secondary form of automobile insurance to cover damage or loss caused by theft or accident involving a rental vehicle up to 50 $000. Your rental vehicle is protected for 15 days in the United States or 31 days abroad.

Travel and emergency assistance services are available to provide assistance and referrals when you are out of town regarding lost luggage, medical or legal issues and more. Visa Signature Concierge Services will help you book your travel and entertainment.


First, once you’ve spent $1,500 in the first three months, you’ll receive a bonus of 30,000 points in rewards with a cash surrender value of $300. Besides the sign-up bonus, all purchases earn at least 1X. Plus, you can earn 3X points on restaurants, travel, gas stations, public transportation, popular streaming services, and phone plans with no rewards caps or rewards and points limits.

You won’t have to worry about having to activate categories or follow a quarterly rewards schedule like with other rewards cards. The categories described above will always earn 3X. All charges made on the Autograph visa will earn at least one point for every dollar spent.

Autograph cardholders can redeem points through My Wells Fargo Deals. According to the financial institution, it is a merchant-funded offers platform presenting cash back in the form of statement credits for meals, purchases or experiences. You will first need to activate the offer in Online Banking and then complete the purchase using the card. Additionally, the Wells Fargo Autograph card is integrated with the Wells Fargo Rewards platform to make it possible to redeem other points.

Customer service

Wells Fargo is well known for its customer service through the presence of local branches across the country as well as online and telephone support. For map assistance, log into your account or call 1-800-642-4720. You can also redeem rewards by calling 1-877-517-1358.

How Wells Fargo Autograph Card Stands Out

The Wells Fargo Autograph Card stands out for several reasons. There’s a lucrative sign-up bonus, the chance to earn 3X points on some of the most popular spending purchases like travel, gas and restaurants and no annual fee. Redemption of rewards is possible in the form of statement credits, applying points for purchases at participating merchants, or redeeming for travel, entertainment, merchandise and more on the Wells Fargo Rewards portal.

Wells Fargo Autograph Card vs Competitors

Find out how the Wells Fargo Autograph Card compares to other established rewards cards.

Wells Fargo Autograph Card vs. Find out

The Wells Fargo Autograph Card and Discover it are both cash rewards cards that earn a base rate of 1% or 1X on purchases as well as additional earnings in certain categories. However, the Autograph card gives you more flexibility with the ability to redeem it for more than just cash. Points can also be redeemed for merchandise and travel. The Discover it card cash rewards balance can be applied to certain purchases like Amazon or your statement balance.

Earning rewards with either card depends on your spend category. The Wells Fargo Autograph Card lets you earn 1X on all expenses and 3X on dining, travel, gas stations, public transit, popular streaming services, and phone plans. The Discover it card earns 1X on all spend and 5X cash back at different locations each quarter. 5X cash back has a quarterly maximum and you must activate your 5x rewards every quarter.

Wells Fargo Autograph Card vs. Chase Freedom Unlimited

The Chase Freedom Unlimited credit card offers a higher base rate of 1.5% cash back. You’ll also earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on drugstore purchases and restaurant dining, including takeout and delivery services eligible. As mentioned, the Wells Fargo Autograph Card offers 1X on all expenses and 3X on dining, travel, gas stations, public transportation, popular streaming services, and phone plans.

Both cards have no annual fee and are backed by two of the largest financial institutions in the country. The Chase Freedom Unlimited Card is a great choice if you spend big in many categories to earn the 1.5% cash back. If the bulk of your card spending is in the categories that earn 3X from the autograph visa, such as gas or travel, this may be the better option of the two.

How to register

The Wells Fargo Autograph Card request page is currently unavailable. Check back for developments.

Who is Wells Fargo Autograph Card Best For

The Wells Fargo Autograph Card is ideal for people looking for a card with no annual fee that offers some of Visa’s best services such as phone protection, travel concierge, secondary car rental coverage and emergency travel assistance. Earning 3X on categories like Gas, Travel, and Meals is the icing on the cake.

Final take

Wells Fargo Bank’s latest credit card introduction is the Wells Fargo Autograph Card. The financial institution looked at the categories in which cardholders spend the most and designed a card that earns triple points in those categories. It’s a great option when you’re looking for a no-cost rewards visa.


  • When can I apply for a Wells Fargo Autograph Card?
    • The Wells Fargo Autograph Card is the latest release from the bank. Its launch is scheduled for mid-July 2022 nationwide.
  • Is there a Wells Fargo Autograph Card sign-up bonus?
    • The Wells Fargo Autograph Card has a sign-up bonus of 30,000 reward points – a cash surrender value of $300. To earn the bonus, you will need to spend $1,500 or more on purchases within the first three months.
  • What is the Wells Fargo Autograph Card offer?
    • New cardholders will receive a generous introductory offer of 0% on purchases. There is also a welcome bonus of 30,000 reward points that cardholders can earn after spending $1,500 in the first three months.

Editorial Note: This content is not provided by Wells Fargo. Any opinions, analyses, criticisms, evaluations or recommendations expressed in this article are those of the author alone and have not been reviewed, endorsed or otherwise endorsed by Wells Fargo.

Rates are subject to change; unless otherwise specified, prices are updated periodically. All other account information is accurate as of July 7, 2022.

Is this your bank?

Thank you for signing up!

Prepare to receive the best financial advice from the experts at GOBankingRates.

Take advantage of our best offers