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⚖ Add to comparisonWells Fargo · Visa
Wells Fargo Autograph Card
For a no-fee card, the Autograph's 3x net is unusually wide: restaurants, travel, gas, transit, popular streaming and phone plans, all uncapped, plus no foreign fee and cell-phone protection when you pay your bill with it. The weak spot is the 1x base rate, so non-bonus spending earns little, and on its own the points aren't worth much beyond cash. The upside unlocks when you pair it with the Autograph Journey to make points transferable. Put $1,200/month across those 3x categories and that's about 43,000 points a year; Wells generally limits you to one bonus per 16 months, so confirm timing on their site.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Six wide-ranging 3x categories with no caps
- ✓Cell phone protection when the bill is paid with the card
- ✓Points become transferable to partners once paired with the Autograph Journey
👍 Pros
- + Carries no yearly fee
- + A broad set of 3x categories
- + No surcharge on purchases made abroad
👎 Cons
- – A modest 1x base rate
- – Few transfer partners on its own
- – Lounge entry is not included
Can you get it?
- ▸A credit score in the good-to-excellent range
- ▸Enough income to back the credit line
- ▸Typically one Wells Fargo bonus every 16 months
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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