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There’s a lot to like about the Wells Fargo Autograph® Card(Rates & Fees). Most notably, this no-annual-fee card offers access to transfer partners, earns up to 3X points on airfare, hotels, and more, and comes with a 20,000-point welcome offer worth more than $470 toward award travel booked through partner programs, based on average AwardWallet user redemptions.
Here’s what to know about that 20,000-point offer and why now might be the right time to add this card to your wallet.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 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. 18.49%, 24.49%, or 28.49% Variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. 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.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- 3x on travel – including airfare, hotels, car rentals, timeshares, cruises, and more
- 3x on transit – including parking, tolls, subways, ride shares, railways, ferries, and more
- 3x on dining – including dining in, take-out, catering, delivery and more
- 3x at gas stations – including gas stations and electric vehicle charging stations
- 3x on phone plans – including landline providers and cell phones
- 3x on streaming services
- 1x on other purchases
Page Contents
Wells Fargo Autograph: 20,000-Point Offer
For a card with no annual fee, the Wells Fargo Autograph offers a surprisingly lucrative welcome bonus. New applicants can earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
That said, the bonus can be worth far more than its cash value if you redeem your points strategically through Wells Fargo’s transfer partners.
New applicants can also take advantage of a 0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49%, or 28.49% Variable APR thereafter.
Related: The Best No-Annual-Fee Credit Cards for Earning Transferable Points
What are Wells Fargo Rewards points worth?
On average, AwardWallet users redeem Wells Fargo Rewards points for 2.37¢ each. At that rate, the 20,000-point offer on the Wells Fargo Autograph is worth more than $470 toward award travel.
The key to unlocking this kind of value is transferring your points to Wells Fargo’s eight transfer partners to book award flights and hotel stays. While Wells Fargo doesn’t have the largest partner list of all the transferable rewards programs out there, it includes enough quality options to make it worth your time.
If you’d rather redeem Wells Fargo Rewards points for something other than travel, that’s an option as well. Just keep in mind that alternative redemptions like gift cards and statement credits typically fetch only 1¢ per point.
Related: Wells Fargo Rewards Transfer Partners: Our Complete Guide to Maximizing Your Wells Fargo Points
Why Get the Wells Fargo Autograph?
Don’t let the $0 annual fee fool you. The Wells Fargo Autograph offers plenty of reasons to add it to your wallet beyond the welcome bonus.
Earning rates
If you spend a lot on travel and dining, the Wells Fargo Autograph offers a collection of 3X categories that'll reward those purchases handsomely.
- 3x on travel – including airfare, hotels, car rentals, timeshares, cruises, and more
- 3x on transit – including parking, tolls, subways, ride shares, railways, ferries, and more
- 3x on dining – including dining in, take-out, catering, delivery and more
- 3x at gas stations – including gas stations and electric vehicle charging stations
- 3x on phone plans – including landline providers and cell phones
- 3x on streaming services
- 1x on other purchases
Under-the-hood benefits
The Wells Fargo Autograph also offers a collection of under-the-hood benefits, including:
- Cell phone coverage — supplementary coverage
- Auto rental collision damage waiver (CDW) — secondary coverage
- Travel and emergency services assistance
- Zero liability protection
- No foreign transaction fees
The Wells Fargo Autograph is also a Visa Signature card, which means it includes additional perks like access to a 24/7 concierge, Visa Signature Luxury Hotel Collection benefits, and more.
Related: Wells Fargo Autograph® Card Full Review
Pair with other Wells Fargo credit cards
A key part of any rewards strategy is building the right credit card pairing, and the Wells Fargo Autograph is a great candidate to pair with other Wells Fargo cards. In fact, that might be one of the main reasons to consider the card in the first place, as it lets you stack benefits and get more out of every purchase.
Here are a few cards you could pair with the Wells Fargo Autograph.
- Wells Fargo Autograph Journey℠ Card(Rates & Fees): Earn 5X points on hotels, 4X on airlines, and 3X on dining and other travel purchases. Cardholders can earn a $50 annual statement credit with a $50 minimum airline purchase.
- Wells Fargo Active Cash® Card (Rates & Fees): Earn an unlimited 2% cash rewards on purchases without the need to track spending categories or activate rewards quarterly.
- Wells Fargo Attune℠ Card: Earn 4% cash rewards on self-care, select sports, recreation, entertainment, and planet-friendly purchases like public transportation and EV charging. All other purchases earn 1% cash rewards.
The latter two cards on this list earn cash back, but you can combine those rewards with a points-earning card like the Wells Fargo Autograph and then transfer them to Wells Fargo’s airline and hotel partners.
Rates & Fees
- 5X points per $1 spent on hotels
- 4X points per $1 spent on airlines
- 3X points per $1 spent on other travel and restaurants
- 1X points per $1 spent on other purchases
Rates & Fees
- Earn unlimited 2% cash rewards on purchases
- 4% cash rewards on self-care purchases (including beauty and barber shops, gym memberships and fitness studios, health and beauty spas, and massage parlors)
- 4% cash rewards on sports, recreation, and entertainment purchases
- 4% cash rewards on planet-friendly purchases (including EV charging stations, riding public transportation, and purchasing select second hand and vintage)
Wells Fargo Autograph Application Rules and Restrictions
Before you apply for the Wells Fargo Autograph, there are a few rules and restrictions worth keeping in mind.
The first rule affects your eligibility to open the card. In the application’s terms and conditions, you’ll find the following:
“You may not qualify for an additional Wells Fargo-branded consumer credit card if you have opened a Wells Fargo-branded consumer credit card in the last 6 months.”
The second rule applies to the welcome bonus, including both the points and the introductory APR. Here’s the relevant language from the terms and conditions:
“You may not be eligible for introductory annual percentage rates, fees and/or rewards bonus offers if you have the Wells Fargo Autograph Visa® or opened one within the last 48 months from the date of this application – even if that account is closed and has a $0 balance.”
Beyond these written rules, Wells Fargo is also known to limit customers to earning one new welcome bonus every 15 months. It may also consider your overall relationship when reviewing applications, so having a Wells Fargo checking or savings account could improve your approval odds.
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Bottom Line
Most no-annual-fee cards are fairly basic, but the Wells Fargo Autograph is anything but. It’s also a great time to apply, as new applicants can earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
The card is great on its own, but it becomes even more powerful if you play the long game and pair it with its annual-fee-carrying counterpart, the Autograph Journey — or the no-annual-fee Active Cash Card. This strategy will help take your rewards balance to new heights.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 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. 18.49%, 24.49%, or 28.49% Variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. 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.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- 3x on travel – including airfare, hotels, car rentals, timeshares, cruises, and more
- 3x on transit – including parking, tolls, subways, ride shares, railways, ferries, and more
- 3x on dining – including dining in, take-out, catering, delivery and more
- 3x at gas stations – including gas stations and electric vehicle charging stations
- 3x on phone plans – including landline providers and cell phones
- 3x on streaming services
- 1x on other purchases
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