Best for variety of bonus categories

The Wells Fargo Autograph card is a terrific no-annual-fee card with valuable earning rates across numerous everyday purchases. (Partner Offer)

At a glance

  • 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.
  • 1X Earn 1X points on other purchases
20,000 Points
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
NONE
Refer to Important Credit Terms
19.24%, 24.24%, or 29.24% Variable APR
19.24%, 24.24%, or 29.24% Variable APR
0% intro APR for 12 months from account opening
$0
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases

At a glance

  • 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.
  • 1X Earn 1X points on other purchases
20,000 Points
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
NONE
Refer to Important Credit Terms
19.24%, 24.24%, or 29.24% Variable APR
19.24%, 24.24%, or 29.24% Variable APR
0% intro APR for 12 months from account opening
$0
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
  • $0 annual fee
  • 0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% variable APR thereafter
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
  • Select “Apply Now” to learn more about the product features, terms and conditions.
Apply now for Wells Fargo Autograph℠ Card at Wells Fargo's secure site Terms & restrictions apply. See rates & fees

Our Take

TPG Editor's Rating

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3/5

Overview

The Wells Fargo Autograph card packs a punch for a no-annual-fee product, with an array of bonus categories plus solid perks and straightforward redemption options.

Pros

  • This card offers 3 points per dollar on various everyday purchases with no annual fee. It also comes with a 20,000-point welcome bonus and 12-month introductory APR offer. Plus, you'll enjoy up to $600 in cellphone protection when you pay your monthly bill with the card. Subject to a $25 deductible.

Cons

  • Despite the lucrative earning structure, Wells Fargo doesn't offer any ways to maximize your redemptions — you're limited to fixed-value rewards like gift cards and statement credits.

Who is this card good for?

This card can be a great option for someone who wants a simple way to earn bonus rewards on a wide variety of purchases without paying an annual fee.

Earning Rewards

This card earns 3 points per dollar spent on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Other purchases earn 1 point per dollar.