Wells Fargo recently launched the no-annual fee Wells Fargo Autograph Card, which offers 3x points in several categories including restaurants, travel, gas, transit, ridesharing, streaming, and phone plans.
The Autograph Card also offers a welcome bonus of 30,000 points which is equivalent to $300 when you spend $1,500 in the first three months.
We have a lot to cover with this card, so let’s dive right in.
- 20,000 Point ($200) Welcome Bonus After $1,000 in Purchases Within 3 Months
- 3x points on Restaurants, Travel, Gas, Transit, Ridesharing, Streaming, and Phone Plans
- 1x Points Everywhere Else
- 0% Intro APR for 12 Months
- Cell Phone Insurance
- No Foreign Transaction Fees
- No Annual Fee
1. 30,000 Point ($300) Welcome Bonus
The Wells Fargo Autograph card offers a welcome bonus of 30,000 bonus points (worth $300) when you spend $1,500 in the first 3 months.
2. 3x Points at Restaurants
This card earns 3x points (equivalent to 3% cash back) at restaurants, including dining in, take-out, catering, delivery, and more.
3. 3x Points at Travel
This card also earns 3x points on travel, including purchases with airlines, hotels, timeshares, rental cars, cruise lines, travel agencies, discount travel sites, and campgrounds.

4. 3x Points on Gas and Charging Stations
This card also earns 3x points at gas stations and electric charging stations.

5. 3x Points on Transit and Ridesharing
You can also earn 3x points with transit and ridesharing services such as Lyft and Uber.
The transit category is broad and includes includes passenger railway, subways, taxis, limousines, ferries, toll bridges and highways, parking lots and garages.
6. 3x Points on Select Streaming Services
You can earn 3x points on select streaming services, which are listed on this page of eligible services and are subject to change.
7. 3x Points on Phone Plans
You can also earn 3x points on landline and cell phone plans such as T-Mobile, Verizon, and AT&T.
8. 1x Points Everywhere Else
For all other spending, you will earn 1 point per dollar, equivalent to 1% cash back.
9. No Annual Fee
The Autograph card offers all of these benefits without an annual fee.
10. 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.
11. 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.

12. 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.
But there are situations where this secondary insurance becomes the primary insurance, including when renting a car outside the U.S. and your personal car insurance does not cover you in that country, or if you don’t have collision insurance.
You still need to maintain liability car insurance to cover damage to another person or property.
13. 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.

14. Several Ways to Redeem Points
There are several ways you can redeem your points from the Autograph card including redeeming points directly towards purchases, a statement credit, gift cards, or travel.
15. 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.
16. 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.
17. Visa Signature Concierge
Cardmembers get access to the Visa Signature Concierge, which can help with planning travel, dining, or entertainment.
18. Visa Signature Luxury Hotel Collection
- 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).
19. 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.
20. 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.
Is the Wells Fargo Autograph Card Worth It?
Yes. For a no annual fee card the Autograph card is a good option due to its 3x categories.
It also offers nice benefits for a no annual fee card including cell phone insurance, no foreign transaction fees, and secondary rental car insurance.
- 20,000 Point ($200) Welcome Bonus After $1,000 in Purchases Within 3 Months
- 3x points on Restaurants, Travel, Gas, Transit, Ridesharing, Streaming, and Phone Plans
- 1x Points Everywhere Else
- 0% Intro APR for 12 Months
- Cell Phone Insurance
- No Foreign Transaction Fees
- No Annual Fee