Wells Fargo Autograph

This credit card is a great option for those looking for simplicity and regular rewards.

Credit Card

Wells Fargo Autograph

20,000-point welcome bonus No annual fee

3X points on dining, travel, gas, and streaming services.

How to Apply You will remain on this website.

Wells Fargo Autograph® Credit Card: A Rewarding Choice for Everyday Spending

The Wells Fargo Autograph® Credit Card is an excellent option for earning rewards on everyday purchases. With 3X points in key spending categories, cardholders can maximize rewards without changing their usual spending habits.

This card offers 3X points on dining, travel, gas stations, transit, streaming services, and phone plans—essential expenses for many individuals. This broad reward structure makes it easy to accumulate points quickly while covering common purchases.

A major advantage of the Wells Fargo Autograph® Card is its no annual fee, allowing users to keep 100% of their rewards without worrying about extra costs. This makes it a cost-effective way to earn valuable points year-round.

Whether you’re booking travel, dining out, or paying for subscriptions, this card ensures that every purchase works toward valuable rewards, making it a practical choice for frequent spenders.

Pros and Cons

Before applying for the Wells Fargo Autograph Credit Card, it’s important to understand both the benefits and drawbacks of this card.

Pros: 

• No annual fee, allowing you to enjoy rewards without extra costs.

• 3X points on dining, travel, gas, and streaming services, maximizing rewards in popular spending categories.
• 20,000-point welcome bonus after spending $1,000 in the first three months.

Cons: 

• High interest rates after the introductory period, which can be costly if carrying a balance.

• Limited bonus categories, meaning spending outside these areas earns fewer points.
• Not ideal for those who don’t frequently spend in the 3X bonus categories.

Considering these factors will help determine whether this card fits your spending habits and financial goals.

How Do I Know If the Wells Fargo Autograph Credit Card Is the Best for Me?

If you regularly spend on dining, travel, gas, and streaming services, this card is an excellent option because the 3X rewards help you earn points faster. Since many people have expenses in these categories, the card provides a real opportunity for valuable savings.

Additionally, the lack of an annual fee makes it a great choice for those who want a rewards card without extra costs. The 20,000-point welcome bonus is another strong incentive, providing $200 in rewards after meeting the initial spending requirement.

However, if you don’t frequently spend in the bonus categories, you may not benefit as much from this card. Those who carry a balance should also be cautious, as the high APR after the introductory period can make carrying debt expensive.

If you want a no-fee rewards card with generous bonus categories, the Wells Fargo Autograph Credit Card is a strong contender.

Why Do We Like This Card?

The Wells Fargo Autograph Credit Card stands out because it offers valuable rewards in practical spending categories. The ability to earn 3X points on dining, travel, gas, and streaming services ensures that everyday purchases turn into meaningful rewards.

The lack of an annual fee makes this card even more appealing, allowing cardholders to maximize rewards without worrying about additional costs. The 20,000-point welcome bonus is a great way to start earning, adding even more value for new cardholders.

Another reason this card is appealing is its flexibility in redeeming points, with options including travel, statement credits, and gift cards. This makes it easy to use rewards in a way that fits your lifestyle.

For individuals who frequently spend in the 3X bonus categories, this card is an excellent way to earn rewards without the hassle of an annual fee.

How to Maximize Your Wells Fargo Autograph Credit Card

To get the most out of this card, use it for all purchases in the 3X bonus categories, including dining, travel, gas, and streaming services. Since these are common everyday expenses, this strategy ensures steady rewards accumulation.

Taking advantage of the 20,000-point welcome bonus is also key. By spending at least $1,000 within the first three months, you can redeem $200 worth of rewards, making the card even more valuable.

Since interest rates can be high after the introductory period, it’s important to pay off your balance in full each month to avoid unnecessary costs. This allows you to enjoy the full benefits of cashback and points without paying extra in interest.

By following these strategies, you can maximize your rewards and take full advantage of what this card has to offer.