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.

Wells Fargo Autograph Card at a glance

Rewards & perks

• 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

Who should apply

• A credit score in the good-to-excellent range
• Enough income to back the credit line
• Typically one Wells Fargo bonus every 16 months

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Wells Fargo site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.