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The brand new Wells Fargo Autograph℠ Card is a wonderful selection when you’re in search of a no-annual-fee cash-back card with a stable welcome bonus — particularly when you spend quite a bit in its 3x bonus classes (eating, journey, fuel, transit, standard streaming companies, and cellphone plans). 


Common APR


16.49%, 21.49%, or 26.49% Variable


Beneficial Credit score Rating


Good to Glorious


Common APR


16.49%, 21.49%, or 26.49% Variable


Beneficial Credit score Rating


Good to Glorious

Execs

  • Beneficiant welcome bonus for a no-annual-fee card
  • Nice 3x incomes charges in helpful classes, together with eating, journey, and fuel stations (plus, earn 1x factors on different purchases)
  • Helpful advantages together with mobile phone safety and Visa Signature concierge

Cons

  • Minimal spending requirement to earn bonus is barely larger than related no-annual-fee playing cards
  • No airline or resort switch companions

Extra Info

  • Earn 30,000 bonus factors once you spend $1,500 in purchases within the first 3 months – that is a $300 money redemption worth
  • Earn limitless 3X factors on the issues that basically add up – like eating places, journey, fuel stations, transit, standard streaming companies, and cellphone plans. Plus, earn 1X factors on different purchases
  • $0 annual payment
  • 0% intro APR for 12 months from account opening on purchases. 16.49%, 21.49%, or 26.49% variable APR thereafter
  • Stand up to $600 of mobile phone protection (topic to a $25 deductible) once you pay your month-to-month wi-fi invoice related along with your mobile phone along with your eligible Wells Fargo bank card.
  • Redeem your rewards factors for journey, present playing cards, or assertion credit. Or store at tens of millions of on-line shops and redeem your rewards once you try with PayPal.
  • Get pleasure from a premium assortment of advantages at a choice of the world’s most intriguing and prestigious resort properties with Visa Signature Concierge.
  • Choose “Apply Now” to study extra in regards to the product options, phrases and situations.

Evaluation: Is the Wells Fargo Autograph the perfect bank card for you?

Wells Fargo is within the strategy of refreshing its bank card lineup, first with the launch of the Wells Fargo Lively Money® Card final summer time and the Wells Fargo Mirror℠ Card within the fall. Now there’s one other brand-new possibility to contemplate, and it is an awesome selection for folk who spend in sure classes.

The no-annual-fee Wells Fargo Autograph℠ Card earns as much as 3x factors with no limits on eating places, fuel stations, journey, cellphone plans, transit, and standard streaming companies. Plus, new cardholders can earn 30,000 bonus factors once you spend $1,500 in purchases within the first 3 months from account opening (value $300 in rewards).

This card additionally affords a good array of advantages, together with mobile phone safety and automotive rental insurance coverage. There’s additionally a 0% intro APR on purchases for 12 months from account opening (then a 16.49%, 21.49%, or 26.49% Variable APR), which is useful you probably have huge bills arising it’s good to pay for over time.

Relying in your spending habits, different no-annual-fee cash-back playing cards could possibly be a greater match for you. Be sure you assess your typical bills earlier than you decide to this card — when you do not spend quite a bit within the bonus classes, you may be caught incomes simply 1% money again in your different purchases.

If that is the case, a card just like the Wells Fargo Lively Money® Card (2% money rewards on purchases) or Chase Freedom Limitless® (no less than 1.5% again on all spending) may earn you extra rewards in your spending. Be sure you try Insider’s information to the perfect money again bank cards for all the highest choices.

We’re targeted right here on the rewards and perks that include every card. These playing cards will not be value it when you’re paying curiosity or late charges. When utilizing a bank card, it is necessary to pay your stability in full every month, make funds on time, and solely spend what you may afford to pay.

The way to earn rewards from the Wells Fargo Autograph card

The Wells Fargo Autograph℠ Card earns 3 factors per greenback with no spending caps within the following classes:

  • Eating (consuming locations and eating places, ingesting locations, quick meals eating places, caterers)
  • Journey (airways, inns, motels, timeshares, automotive leases, cruise traces, journey businesses, low cost journey websites, campgrounds)
  • Fuel (fuel stations, automated gas dispensers, and electrical car charging stations)
  • Transit (passenger railways, taxis, limousines, ferries, toll bridges and highways, parking heaps, and garages)
  • Fashionable streaming companies (cable and different pay tv, digital items, books, film, music, and continuity/subscription companies)
  • Telephone plans (landline and mobile phone suppliers)

All different purchases earn 1 level per greenback, so this is not card to make use of for non-bonus class spending.

Of observe right here is the favored streaming companies class, which really contains cable and different varieties of pay tv. As well as, the streaming companies that qualify (listed in full right here) at the moment embody:

  • Apple Arcade
  • Apple Health+
  • Apple Music
  • Apple Information+
  • Apple TV+
  • Disney+
  • ESPN+
  • Pandora Plus
  • Pandora Premium
  • Peacock
  • Sling TV
  • Spotify Premium
  • YouTube TV

The way to use Wells Fargo Rewards factors

Wells Fargo Autograph℠ Card cardholders have all kinds of how to redeem their factors. Factors are value 1 cent every, and you may money them in for:

  • Purchases you have already made in your account (within the type of a press release credit score)
  • A credit score to a qualifying Wells Fargo bank card, checking account, or mortgage (utilized to the principal stability)
  • Present playing cards
  • Flights, inns, or automotive leases by means of Wells Fargo Rewards
  • Pay with factors at collaborating retailers, reminiscent of PayPal

Be aware that money redemptions on-line or by cellphone can be found in $25 increments solely; when you select to make a redemption through a withdrawal from a Wells Fargo ATM, it is in $20 increments.

Cardholders even have the choice to switch factors to a different Wells Fargo Rewards account they personal, share them with one other Wells Fargo buyer, or add them to an current rewards pool.  

Wells Fargo Autograph card advantages and options

Regardless of having a $0 annual payment, the Wells Fargo Autograph℠ Card really affords a considerable set of advantages that may save cardholders cash.

Introductory 0% APR

You probably have huge bills approaching, the Wells Fargo Autograph℠ Card may help you save on curiosity if it’s good to unfold out funds over time. New cardholders obtain a 0% intro APR on purchases for 12 months from account opening, adopted by a 16.49%, 21.49%, or 26.49% Variable APR).

That is not the longest 0% APR supply out there right now, however it’s nonetheless a good deal. Simply ensure you’ve the means and a plan to repay your stability earlier than the intro interval expires, in any other case, it’s possible you’ll be on the hook for prime curiosity costs.

Cellular phone safety

There are solely a handful of no-annual-fee playing cards on the market that include mobile phone safety, together with the Wells Fargo Autograph℠ Card. Whenever you use the cardboard to pay your month-to-month wi-fi invoice, you may obtain mobile phone protection for harm or theft as much as a most of $600 per declare (with a $25 deductible).

There is a most of two claims per 12-month interval, and protection is secondary to different insurance coverage you’ll have, like mobile phone insurance coverage applications, home-owner’s, renter’s, vehicle, or employer’s insurance policies. Remember, too, that misplaced telephones usually are not coated. You’ll be able to examine all of the exclusions and limitations right here.

Automobile rental insurance coverage

Whenever you use the Wells Fargo Autograph℠ Card to pay in your automotive rental and decline the rental company’s collision loss/harm insurance coverage, you might be coated for harm or theft on eligible leases.

Within the US, this protection is secondary to any private auto insurance coverage you’ll have; in any other case, it is major insurance coverage no matter your different protection.

Journey and emergency companies help

If you happen to’re away from dwelling and run into an emergency, as a Wells Fargo Autograph℠ Card holder you may name a 24-hour toll-free quantity to talk to a advantages administrator. The advantages administrator may help ship messages to your instant household in your behalf, refer you to native English-speaking medical professionals, prepare cargo of misplaced baggage, and extra. The help is free, however you may be chargeable for any prices incurred, reminiscent of paying for medical companies.

Roadside dispatch

If you happen to run into bother whereas driving, you may name the 24/7 dispatch community to rearrange companies like customary towing, tire altering, lockout service, and gas supply. There’s a price for every service, at the moment set at $69.95.

Visa Signature Concierge

If you happen to need assistance discovering and reserving journey itineraries, dinner reservations, occasion tickets, and extra, you may name the Visa Signature Concierge hotline for help. You will be chargeable for the prices related to something you e book.

Visa Signature Luxurious Resort Assortment

As a Visa Signature card, the Wells Fargo Autograph℠ Card grants you entry to the Visa Signature Luxurious Resort Assortment, a gaggle of inns the place you may be eligible for a finest out there price assure, room upgrades when out there, complimentary breakfast for 2, and extra. You should e book by means of the Visa Signature Luxurious Resort Assortment web site to be eligible for these advantages.

Emergency money disbursement and card alternative

If you happen to lose your Wells Fargo Autograph℠ Card, you will get an emergency money advance and a card alternative inside one to a few days after contacting Wells Fargo. Simply understand that money advance and curiosity charges will apply to the money advance.

My Wells Fargo Offers

My Wells Fargo Offers are affords for money again once you store with sure retailers reminiscent of Starbucks and Airbnb, meet any specified necessities, and pay along with your Wells Fargo Autograph℠ Card. The offers are personalised, and you may entry them by means of your card account.


Common APR


16.49%, 21.49%, or 26.49% Variable


Beneficial Credit score Rating


Good to Glorious


Common APR


16.49%, 21.49%, or 26.49% Variable


Beneficial Credit score Rating


Good to Glorious

Execs

  • Beneficiant welcome bonus for a no-annual-fee card
  • Nice 3x incomes charges in helpful classes, together with eating, journey, and fuel stations (plus, earn 1x factors on different purchases)
  • Helpful advantages together with mobile phone safety and Visa Signature concierge

Cons

  • Minimal spending requirement to earn bonus is barely larger than related no-annual-fee playing cards
  • No airline or resort switch companions

Extra Info

  • Earn 30,000 bonus factors once you spend $1,500 in purchases within the first 3 months – that is a $300 money redemption worth
  • Earn limitless 3X factors on the issues that basically add up – like eating places, journey, fuel stations, transit, standard streaming companies, and cellphone plans. Plus, earn 1X factors on different purchases
  • $0 annual payment
  • 0% intro APR for 12 months from account opening on purchases. 16.49%, 21.49%, or 26.49% variable APR thereafter
  • Stand up to $600 of mobile phone protection (topic to a $25 deductible) once you pay your month-to-month wi-fi invoice related along with your mobile phone along with your eligible Wells Fargo bank card.
  • Redeem your rewards factors for journey, present playing cards, or assertion credit. Or store at tens of millions of on-line shops and redeem your rewards once you try with PayPal.
  • Get pleasure from a premium assortment of advantages at a choice of the world’s most intriguing and prestigious resort properties with Visa Signature Concierge.
  • Choose “Apply Now” to study extra in regards to the product options, phrases and situations.

Charges and prices

The Wells Fargo Autograph℠ Card would not cost an annual payment, and it would not add international transaction charges, so it is a good card to make use of when you’re touring overseas.

Like most different playing cards, there are charges for money advances ($10 or 5% of the quantity of every advance, whichever is bigger), stability transfers (5% for every stability switch, with a minimal of $5), and late funds ($40).

Comparability: Wells Fargo Autograph vs different Wells Fargo playing cards

Wells Fargo Autograph vs different no-annual-fee rewards bank cards

*3% again on as much as $6,000 spent in a calendar 12 months, then 1% again

Wells Fargo Autograph card often requested questions (FAQ)

Is the Wells Fargo Autograph card value it?

If you happen to’re in search of a bank card that earns money again with no annual payment, the Wells Fargo Autograph℠ Card may undoubtedly be value it. It earns 3 factors per greenback on all kinds of frequent purchases: eating places, journey, fuel, transit, standard streaming companies, and cellphone plans. (Whereas rewards are earned as factors, every level is the same as 1 cent and you may’t switch them to journey companions to get extra worth, so that you’re successfully incomes money again.) 

What credit score rating do it’s good to get the Wells Fargo Autograph card?

The Wells Fargo Autograph℠ Card requires a credit score rating within the good to glorious vary, which interprets to a FICO rating of no less than 670, or a VantageScore of no less than 700.

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