Autograph
Wells Fargo
Autograph
Offer Strength
StandardShow breakdown
Estimated bonus value: ~$200
Base score: 25
Current $200 vs typical $200
Net value after annual fee: ~$200
Estimate based on our value hints; not financial advice.
Annual Fee
$0/yr
Autograph
Welcome Offer
Earn 20,000 bonus points after spending $1,000 in purchases in the first 3 months
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
3x points on restaurants, gas, transit, streaming, phone plans
1x points on all other purchases
Key benefits
3x points on restaurants, gas, transit, streaming, and phone plans
3x points on restaurants, gas, transit, streaming, and phone plans
Up to $600 cell phone protection ($25 deductible)
Up to $600 cell phone protection ($25 deductible)
Transfer points to Air France/KLM Flying Blue (1:1)
Transfer points to Air France/KLM Flying Blue (1:1)
No annual fee
No annual fee
No foreign transaction fees
No foreign transaction fees
Perks
0% intro APR for 12 months on purchases
0% intro APR for 12 months on purchases
Cell phone protection up to $600
Cell phone protection up to $600
My Wells Fargo Deals for extra cash back
My Wells Fargo Deals for extra cash back
No foreign transaction fees
No foreign transaction fees
Good fit for
About this card
The Wells Fargo Autograph earns 3x points on restaurants, travel, gas, transit, popular streaming services, and phone plans, with no annual fee. It's one of the most competitive no-fee cards for everyday spending across popular categories.
Best for
Anyone who wants broad category coverage without paying an annual fee. Particularly strong for those who spend regularly on dining, gas, and streaming services.
Key considerations
Points are worth 1 cent each when redeemed for statement credits or travel. Wells Fargo's rewards ecosystem is simpler than Chase or Amex but offers less transfer partner flexibility.
Card analysis
Offer analysis
The current offer on the Autograph awards 20,000 points after spending $1,000 within 90 days of account opening.
Annual fee value
The Autograph has no annual fee, making it a risk-free addition to your wallet. There is no ongoing cost to hold this card, so the only consideration is whether the rewards structure fits your spending habits.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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