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$0 Annual Fee
Earn 20,000 bonus points when you spend $1,000 in purchases in the first three months.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first three months.
Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
The Wells Fargo Autograph card is a solid no-annual-fee choice. You’ll earn solid points back on everyday things like dining, gas, streaming, and travel. If you’re looking for an easy way to earn rewards, this one’s a solid pick, especially if you’re not ready for a premium travel card just yet.
[.redeem] 3x [.redeem] points per $1 on restaurants (dining in, take-out, catering, delivery, and more)
[.redeem] 3x [.redeem] points per $1 on travel (includes airfare, hotels, car rentals, cruises, and more)
[.redeem] 3x [.redeem] points per $1 on gas stations and EV charging stations, as well as transit (includes subways, ride shares, parking, and tolls)
[.redeem] 3x [.redeem] points per $1 on streaming services and phone plans
[.redeem] 1x [.redeem] points per $1 on other purchases
Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
🏆 Best for Long Intro APR
🏆 Best for Long Intro APR
$0 Annual Fee
🏆 Best Wells Fargo Overall
🏆 Best Wells Fargo Overall
$95 Annual Fee
Earn 20,000 bonus points when you spend $1,000 in purchases in the first three months.
The Wells Fargo Autograph card is a solid no-annual-fee choice. You’ll earn more points back on everyday things like dining, gas, streaming, and travel. If you’re looking for an easy way to earn rewards, this one’s a great pick, especially if you’re not ready for one with an annual fee just yet.
Plus, the cell phone protection (when you pay your monthly bill with the card, subject to a $25 deductible) is a super underrated benefit. It's one of those things that you hopefully never have to use, but you'll be happy to have it if you do.
[.redeem] 3x [.redeem] points per $1 on restaurants (dining in, take-out, catering, delivery, and more)
[.redeem] 3x [.redeem] points per $1 on travel (includes airfare, hotels, car rentals, cruises, and more)
[.redeem] 3x [.redeem] points per $1 on gas stations and EV charging stations, as well as transit (includes subways, ride shares, parking, and tolls)
[.redeem] 3x [.redeem] points per $1 on streaming services and phone plans
[.redeem] 1x [.redeem] points per $1 on other purchases
[.dontreco] We don't recommend: redeeming rewards for statement credits or gift cards [.dontreco]
While you can technically get statement credits or purchase gift cards with points, these options don't offer great value for your hard-earned points.
[.alwaysreco] We always recommend: transferring to travel partners [.alwaysreco]
Transferring to airline and hotel partners is the best way to get the most value out of your points.
Wells Fargo has a small but growing number of travel partners:
The Capital One Venture is a great card to hold in combination with the Autograph card. For any categories that the Autograph doesn't have increased earnings on, you can pull out your Venture to ensure you're earning 2x miles on everything. Plus, you'll have access to two sets of transfer partners and be able to combine rewards on overlapping partners (remember: this happens on the partner side; you can't combine bank rewards with each other).
If you're up for paying a small annual fee, the Chase Sapphire Preferred is an excellent complement to the Autograph card. With these two cards in tandem, you'll get access to a greater pool of transfer partners and access double the benefits. For cell phone protection, you've got the Autograph. For travel insurance, you've got the Preferred.
You'll also be able to combine rewards on the partners that both programs have, by transferring points from both programs to that airline and booking there.
The Autograph card is great for someone who wants to get their feet wet in the world of points and miles, but doesn't want to commit to an annual fee. Earning 3x on restaurants, travel, gas stations, transit, popular streaming services and phone plans is HUGE for any card, let alone one with no annual fee. The spend on the welcome offer is low enough that it's attainable if you're not a big spender. Plus, cell phone protection is a great cherry on top to add real value.
If you're looking to get a ton of points through a welcome offer, you'll want to look elsewhere.
You'll also want to take a look at Wells Fargo's transfer partners, as they don't have as many as other banks. You don't want to accumulate a ton of points, only to realize they don't transfer to the program you need to book on!
And as always, you probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending.
If your credit score is low, you'll need to improve it before applying for travel credit cards, as approval for the best ones is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.
The recommended credit for this card is good to excellent.
