Wells Fargo Autograph Credit Card Review

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Looking for a solid rewards credit card that offers big rewards without an annual fee? The Wells Fargo Autograph℠ Card may be just what you’re looking for.

With bonus categories that cover many common spending areas, straightforward points redemptions at a flat rate, and several value-added benefits that aren’t common on cards with no annual fee, the Wells Fargo Autograph Card is worth considering.

This article will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let’s dive right in.

Wells Fargo Autograph℠ Card
  • bonus_miles_full.
  • 3x points on Restaurants, Travel, Gas, Transit, Ridesharing, Streaming, and Phone Plans
  • Cell Phone Insurance
  • No Foreign Transaction Fees
  • No Annual Fee
Learn More
Non-affiliate link.

Welcome Bonus

The Wells Fargo Autograph Card currently offers the following welcome bonus:


Earning Points

The Wells Fargo Autograph Card earns points at the following rates:

  • 3 points per dollar on restaurants, including take-out, catering, and delivery;
  • 3 points per dollar on travel, including airfare, hotels, car rental, and cruises;
  • 3 points per dollar at gas stations;
  • 3 points per dollar at EV charging stations;
  • 3 points per dollar on transit, including subways, ride shares, parking, tolls, and more;
  • 3 points per dollar on popular streaming websites;
  • 3 points per dollar on cell phone and landline providers; and
  • 1 point per dollar on all other eligible purchases.

No Annual Fee

One of the best aspects of the Wells Fargo Autograph Card is that it has no annual fee.

Wells Fargo Autograph Card Benefits

The Wells Fargo Autograph Card offers the following credit card benefits:

0% Intro APR for 12 Months

Cardmembers enjoy an 0% intro APR for 12 months, which can be great for large purchases. Just make sure you pay off your balance at the end of the 12 months to avoid paying interest.

After the intro period, the interest rate is reg_apr,reg_apr_type.

Cell Phone Insurance

Breaking or losing your cell phone is never a pleasant experience, especially when cell phones cost over $800+ to replace.

You can avoid paying these steep costs when you pay your cell phone bill with this credit card.

There is no cost for cell phone insurance saving you about $10 per month per phone, but you will have to pay a small deductible if you make a claim. 

Credit Card Purchase Protection Broken Phone

Secondary Rental Car Insurance

Secondary rental car insurance covers any damage to a rental car not covered by your primary insurance when you pay for the rental using this card.

Other credit cards offer primary rental car insurance, which pays before your insurance and saves you the hassle of filing multiple insurance claims.

You still need to maintain liability car insurance to cover damage to another person or property.

No Foreign Transaction Fees

This card has no foreign transaction fees on purchases outside the U.S., which is helpful if you travel internationally to help you avoid paying a 3% fee on those international purchases.

Santorini Europe

Travel and Emergency Services Assistance

Travelers can seek travel assistance by calling 800-992-6029 to help with pre-travel information, finding medical services, logistical help, or located legal assistance.

Roadside Dispatch

If you are having car trouble, you can call 800-847-2869, and Visa will arrange for a tow truck, locksmith, or another service provider. However, you must pay a flat fee of $69.95 for the service call.

Visa Signature Concierge

Cardmembers get access to the Visa Signature Concierge, which can help with planning travel, dining, or entertainment.

Visa Signature Luxury Hotel Collection

The Visa Signature Luxury Hotel Collection is a hand-selected group of over 900+ hotels worldwide that are typically $250+ per night, but offer nice benefits such as:
  • Best available rate guarantee.
  • An automatic room upgrade when you arrive (if available).
  • Complimentary in-room Wi-Fi (if available).
  • Complimentary breakfast for two.
  • A $25 food or beverage credit per room, per stay.
  • VIP guest status.
  • Late checkout when requested (if available).

Other Visa Signature Benefits

This card also comes with Visa Signature benefits, which include:

Shipt– You can get groceries, household essentials, and other items delivery as soon as one hour with a free Shipt membership, which includes free same-day delivery on orders $35+.

Silvercar Discount– Visa Signature cardholders receive a 10% to 15% discount on car rentals with Silvercar, which rents only Audi vehicles. 

Discounts at Avis and Budget– Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.

Sonoma County Wine Benefits– Visa Signature cardholders enjoy special benefits at more than 50 wineries including BOGO wine tasting, savings on wine purchases in tasting room, preferred pricing on non-wine purchases over $50, and $1 Ground Shipping on the purchase of 3 or more bottles.

Emergency Card Replacement– Visa can work with your bank to expedite the replacement of your card and ship it globally within 24 to 72 hours.

Emergency Cash Disbursement– In case of emergency, Visa can arrange a wire cash transfer to your local Western Union within 2 hours of approval from your bank.

NortonLifeLock: ID Navigator Powered by NortonLifeLock provides you with the tools to help keep you informed of potential threats to your identity so you can act quickly.

Skillshare Discount– Get a free three months access to thousands of courses with a Skillshare membership plus 20% off an annual membership.

Troon Golf Rewards– Your Visa Signature card entitles you to automatic Silver Status when you sign up for Troon Rewards, for 10% saving on golf fees, merchandise and lessons at over 150 golf courses across the United States and world. 

Sofar Sounds– Cardholders receive unlimited access to the exclusive 7 day advance presale window for select Sofar shows, and one FREE ticket per show with purchase of one or more tickets.

Access to My Wells Fargo Deals

You can earn extra cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card. 

Redeeming Rewards

With the Wells Fargo Autograph Card, you can redeem your reward points for one cent per point for several options, including:

  • Cashback as a statement credit
  • Travel and vacation, such as flights, car rentals, and hotel stays (cash + rewards payment is allowed)
  • Gift cards
  • Merchandise from participating merchants

Pros and Cons of the Autograph Card

Here’s a quick overview of this card’s advantages and disadvantages:


  • No annual fee.
  • Cell phone insurance.
  • 0% Intro APR offer. 
  • 3x points in many categories


  • 1x points (1% cash back) is not competitive for everyday spending compared with the Citi® Double Cash Card – 18 month BT offer.
  • No ability to transfer to airline and hotel programs.
  • Lack of card protections like trip delay, trip cancellation, purchase protection, extended warranty, etc.

Alternatives to the Wells Fargo Autograph

Now that you know about this credit card’s various benefits and pros and cons, it’s time to see its alternatives.

Bilt Mastercard®

Better for Travel and Rent

No Annual Fee
Bilt Mastercard®
  • Pay Rent Without Fees and Earn 1 Point Per Dollar on Rent (up to 50,000 Points Per Calendar Year)
  • No Annual Fee
  • 3x Points on Dining
  • 2x Points on Travel
  • Transfer Rewards to Airlines and Hotels
  • Cell Phone, Primary Rental Car, and Trip Delay Insurance
Learn More Our Review

Bilt Mastercard® is a no-annual-fee credit card that allows you to pay rent without a transaction fee and earn 1 point per dollar on rent (up to 50,000 points per calendar year).

You also earn 3x points on dining, 2x points on travel, and 1x points everywhere else.

The Bilt Rewards card also has great benefits for a no-annual fee card, including cell phone insurance, primary rental car insurance, 90-day purchase protection, trip delay insurance, trip cancellation insurance, and no foreign transaction fees. 

Plus, you can transfer your points to airline and hotel partners such as United Airlines, American Airlines, and World of Hyatt. Or redeem the points for travel or at Amazon.

Chase Sapphire Preferred® Card

Better for Dining, Online Grocery, and Travel Protections

Best Starter Travel Card
Chase Sapphire Preferred® Card
  • bonus_miles_full
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 2x Points on All Other Travel Purchases
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Preferred® Card (review) is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses. 

For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal, 3x points on dining, online groceries, and streaming services, and 2x on all other travel purchases

Cardholders will also get a 10% anniversary points bonus, a 12-month DoorDash DashPass subscription when activated by December 31, 2024, and a $50 anniversary hotel statement credit. 

Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans. 

Is the Wells Fargo Autograph Card Worth It?

The Wells Fargo Autograph Card is a pretty good card overall because of its no annual fee, cell phone protection, and 3x points in popular categories such as restaurants, travel, and gas stations/EV charging.

But if you like to travel, I would instead recommend the Bilt Mastercard® is a no-annual fee card allowing you to transfer points to airlines and hotels. 

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