Wells Fargo Autograph Credit Card Review

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 The Wells Fargo Autograph℠ Card is a no annual fee card offer 3x points in major categories such as restaurants, travel, gas, transit, and streaming.

This credit card review 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 benefits for its cardholders:

Intro APR: Enjoy a 0% Intro APR for 12 months. After that, either a reg_apr,reg_apr_type APR applies.

Cell Phone Protection offers coverage for damage or theft of a cell phone when the monthly cell phone bill is paid with the eligible credit card.

Secondary Rental Car Insurance covers any damage to or theft of a rental car not covered by your primary insurance when you pay for the rental using this card.

No Foreign Transaction Fees: You can make international purchases with your card without paying an extra fee of around 3%.

Travel and Emergency Assistance Services offer access to a range of assistance including medical referral, emergency transportation, prescription assistance, legal referral, lost luggage locator service, and more.

Roadside Dispatch is a pay-per-use roadside assistance program available to eligible credit cardholders, providing services such as towing, tire changes, fuel delivery, and lockout assistance.

Visa Signature Benefits: This card is a Visa Signature card offering special benefits such as rental car discounts, golf and wine discounts, and emergency travel assistance.

Visa Signature Concierge can help you find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.

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 100,000 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® (review) 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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