Credit card

Wells Fargo Autograph® Card

Points

VISA

Apply for Wells Fargo Autograph® Card

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Card review

Wells Fargo Autograph® Card

5.0 10.0/10 DebitCue Score Verified Jun 20, 2026

3X points on everyday categories with no annual fee

Fee: No fee
Purchase APR: 18.49% - 28.49%
Interest-free: -
Foreign fee: None

Rewards

3X points on restaurants, travel, gas stations, transit, streaming services, and phone plans; 1X on all other purchases. No cap on points earned.

Welcome offer

20,000 bonus points (worth $200 cash) after $1,000 in purchases within the first 3 months from account opening.

Our verdict

What stands out, and where it falls short.

What we like

3X points on restaurants, travel, gas stations, transit, streaming…
Welcome bonus
No card fee
No foreign transaction fees

Who It Is For

Whether the Wells Fargo Autograph® Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: 18.49% - 28.49%
Interest-free period: -
Foreign transaction fee: None
Regular APR: 18.49%, 24.49%, or 28.49% Variable
Intro APR: 0% for 12 months on purchases

Rewards and features

Rewards: 3X points on restaurants, travel, gas stations, transit, streaming services, and phone plans; 1X on all other purchases. No cap on points earned.
Welcome offer: 20,000 bonus points (worth $200 cash) after $1,000 in purchases within the first 3 months from account opening.
Pay with: Apple Pay, Google Pay, Contactless
Points Redemption: Redeem for travel, cash rewards, gift cards, or apply to mortgage/loan; 1 cent per point cash value

Benefits and perks

Extras that come bundled with the card.

Cell Phone Protection

Up to $600 coverage against damage or theft when you pay your monthly cell phone bill with the card; $25 deductible, max 2 claims per 12 months.
Auto Rental Collision Damage Waiver

Secondary auto rental collision damage waiver when you reserve and pay for the full rental with the card and decline the rental agency's coverage.
Visa Signature Concierge

24/7 Visa Signature Concierge services for travel, dining, and entertainment bookings.
No Foreign Transaction Fees

Zero foreign transaction fee on international purchases.

Eligibility

What you need before you apply.

Credit Recommended: Good to excellent (670+ FICO)

Wells Fargo Autograph® Card: your questions answered

Does the Wells Fargo Autograph® Card have a card fee?

No - the Wells Fargo Autograph® Card has no card fee.

What rewards does the Wells Fargo Autograph® Card earn?

The Wells Fargo Autograph® Card earns 3X points on restaurants, travel, gas stations, transit, streaming services, and phone plans; 1X on all other purchases. No cap on points earned..

Does the Wells Fargo Autograph® Card charge foreign transaction fees?

No - the Wells Fargo Autograph® Card has no foreign transaction fees, so it suits spending abroad.

What is the interest rate on the Wells Fargo Autograph® Card?

The Wells Fargo Autograph® Card has a purchase APR of 18.49% - 28.49%.

Does the Wells Fargo Autograph® Card have a welcome offer?

Yes - 20,000 bonus points (worth $200 cash) after $1,000 in purchases within the first 3 months from account opening..

Is the Wells Fargo Autograph® Card a credit, debit or prepaid card?

The Wells Fargo Autograph® Card is a credit card issued by Wells Fargo on the Visa network.

Does the Wells Fargo Autograph® Card support Apple Pay and Google Pay?

Yes - the Wells Fargo Autograph® Card works with both Apple Pay and Google Pay.

Where can I get the Wells Fargo Autograph® Card?

The Wells Fargo Autograph® Card is currently offered in United States.

How does DebitCue rate the Wells Fargo Autograph® Card?

DebitCue rates the Wells Fargo Autograph® Card 5.0 out of 5 (10.0/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Wells Fargo Autograph® Card?

Use the Apply now button to continue on Wells Fargo's secure site. Comparing and applying through DebitCue is free.