Overview of the Wells Fargo Autograph Card
The Wells Fargo Autograph® Card (see rates and fees) provides bonus points in sought-after spending categories, easy redemptions at a consistent rate, and a variety of valuable benefits not commonly found on no-annual-fee cards. Card rating*: ⭐⭐⭐
*The card rating reflects the perspectives of Flying Frugal’s editors and is not swayed by the card issuer.
The Wells Fargo Autograph Card is a popular choice for individuals looking for a no-annual-fee credit card with travel and shopping protections as well as a solid earning structure. Interest has surged since the introduction of transfer partners, allowing cardholders to optimize the value of their points.
With no annual fee, cardholders can easily keep it in their wallets and take advantage of benefits like cellphone protection and free access to their credit score. A credit score of 670 or higher is recommended for this card.
Let’s take a deeper look at the Wells Fargo Autograph Card.
Pros and Cons of the Wells Fargo Autograph Card
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Welcome Offer for the Wells Fargo Autograph Card
Earn 20,000 bonus points after making $1,000 or more in purchases within the first three months of account opening with the Wells Fargo Autograph.
According to Flying Frugal’s valuation from July 2025, Wells Fargo points hold a value of 1.6 cents per point, translating this offer into approximately $320 for travel redemptions.
Keep in mind that most Wells Fargo credit card applications include the following terms:
You may not be eligible for another Wells Fargo-branded credit card if you’ve opened one in the last six months.
Before applying, ensure it has been at least six months since you last opened a Wells Fargo card. Additionally, Wells Fargo may take other factors into account, such as the total number of credit accounts you’ve opened recently.
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Flying Frugal credit card editor Olivia Mittak faced a denial for a Wells Fargo card due to having too many new accounts in a 24-month timeframe, so keep that in mind when deciding to apply.
Related: The ultimate guide to credit card application restrictions
Benefits of the Wells Fargo Autograph Card
As a Visa Signature card, the Wells Fargo Autograph comes with a suite of features.
The Visa Signature Luxury Hotel Collection offers exclusive benefits on hotel bookings through its program, including room upgrades upon arrival (subject to availability), a $25 food and beverage credit, VIP guest status, and complimentary breakfast for two each morning.
Additionally, the Visa Signature Concierge Service can assist with travel bookings, restaurant recommendations, and event ticket bookings.
The Autograph Card also provides various purchase protection features. Benefits include a secondary auto rental collision damage waiver when you pay for the entire transaction using your card, 24/7 roadside dispatch, travel assistance, and free access to your FICO credit score.
Furthermore, you receive up to $600 in cellphone protection against theft or damage when you pay your bill with the Autograph Card. However, a $25 deductible applies per claim, and there’s a limit of two claims within a 12-month period; lost or missing phones are not covered.
Though this card does not offer lounge access or statement credits, its benefits are solid for a no-annual-fee card.
Related: Comparing Visa Signature and World Elite Mastercard benefits
Earning Points with the Wells Fargo Autograph Card
With the Wells Fargo Autograph, you can earn points at the following rates:
- 3 points per dollar on dining (including takeout, catering, and food delivery)
- 3 points per dollar on travel (including airfare, hotels, car rentals, and cruises)
- 3 points per dollar on fuel purchases at gas stations and EV charging stations
- 3 points per dollar on transit, eligible streaming, and phone plans
- 1 point per dollar on other purchases
Given that Wells Fargo points are valued at 1.6 cents each according to Flying Frugal’s July 2025 assessment, you can achieve a 4.8% return on spending across these bonus categories.
Notably, having phone plans as a bonus category is uncommon on most personal cards, often reserved for business cards.
Related: The best rewards credit cards for each bonus category
Redeeming Points with the Wells Fargo Autograph Card
You can redeem your points at wellsfargo.com/rewards. Redemption options include getting a value of 1 cent per point as a statement credit, for gift cards (starting at $25), or to book travel, like flights, rental cars, or hotel accommodations.
You can also use points as a credit to a qualifying Wells Fargo credit card, checking account, or mortgage. Additionally, you can pay with points at participating merchants, including PayPal.
While there are both pros and cons to these redemption methods, one advantage is that you’ll always know your points are valued at 1 cent each.
That said, these may not be the most optimal redemption options; you could achieve greater value by leveraging Wells Fargo’s transfer partners.
Related: Wells Fargo Rewards program: Earning, redeeming, and transferring points
Transferring Points with the Wells Fargo Autograph Card
The Wells Fargo Autograph card allows for point transfers to partners, enhancing the potential value of your points. Among these partners:
The selection isn’t vast compared to other credit issuers, but it’s still respectable. Wells Fargo may expand this list of partners in the future, so stay tuned.
Related: Guide to credit card transfer partners: Transferring points and miles to airlines and hotels
Competing Cards to the Wells Fargo Autograph Card
When evaluating competitors of the Wells Fargo Autograph, consider both transferable reward cards and those with similar earning structures.
For more options, refer to our complete list of top travel cards.
Read more: Chase Sapphire Preferred vs. Capital One Venture Rewards
Is the Wells Fargo Autograph Card Worth It?
The Wells Fargo Autograph is ideal for those seeking a no-annual-fee card with valuable benefits like cellphone protection and access to their credit score. With a robust selection of transfer partners, it caters well to both novice and seasoned travelers.
Conclusion
It’s uncommon to find a no-annual-fee card that offers multiple protections and strong earning categories.
If you’re in search of a card without an annual fee and desire access to transfer partners, the Wells Fargo Autograph could be a great choice. However, if you’re looking for a card with a more extensive list of transfer partners, you might consider options from other issuers like Chase or Capital One.
Apply here: Wells Fargo Autograph
