The Wells Fargo Autograph Review is a travel credit card that offers valuable rewards without an annual fee. It provides triple points on travel expenses, making it a suitable option for frequent travelers. Additionally, it offers bonus rewards in other categories that are useful for everyday spending, such as restaurants, gas stations, transit, streaming services, and phone plans. This versatility makes it a strong contender to be your primary credit card, as well as a convenient option for recurring streaming and phone payments.
With the Wells Fargo Autograph℠Card, you may earn extra benefits on a variety of regular purchases, including those at petrol stations, restaurants and transportation. With its welcome bonus offer, travel privileges, and other perks, this no-annual-fee credit card is jam-packed with value.
Wells Fargo Autograph Card review
The Wells Fargo Autograph card offers significant returns on the majority of life’s expenses without charging an annual fee, which will appeal to anyone looking for a card. Three points are awarded for every dollar spent on travel, dining, petrol, phone plans and streaming services. Additionally, it offers a number of priceless advantages without charging an annual charge.
The card’s points can be redeemed for gift cards from a variety of retailers, statement credits, or to plan trips.
Along with some travel and purchase safeguards like 24/7 roadside assistance and secondary auto rental car insurance, it now includes mobile protection. There are no foreign transaction fees, and as a Visa Signature card, you have access to the privileges of the Visa Signature Luxury hotel collection even if it doesn’t offer the travel benefits of a premium travel rewards credit card. Although you won’t gain elite status or airline advantages by using the card, the Autograph excels in terms of rewards and features for a card with no annual fee.
- When you spend $1,000 on purchases over the first three months, you’ll receive 20,000 bonus points, which are worth $200 in cash.
- Three times the points on dining, travel, gas, public transportation, ridesharing, streaming, and phone plans.
- Insurance for Cell Phones
- Not a Single Foreign Transaction Fee
- No yearly fee
Wells Fargo Autograph Card Rewards
1.Wells Fargo Autograph welcome bonus:
When you spend $1,000 on purchases during the first three months of opening your account, you’ll receive 20,000 bonus points as part of the Wells Fargo AutographSM Card’s welcome bonus promotion. When redeemed for cash, gift cards, travel, and other items, that is worth $200.
This is a respectable bonus for a card without an annual fee, and earning it is made simple by the low minimum spending criteria.
2.How to earn rewards from the Wells Fargo Autograph:
With no spending limits, the Wells Fargo Autograph℠Card awards 3 points for every dollar spent in the following categories:
- Consuming food and beverages (restaurants, bars, fast food outlets, and caterers)
- Travel (airlines, lodging (hotels, motels, timeshares, cars, cruises, travel agencies, travel websites offering discounts, campsites)
- Gas (gas stations, automatic fuel dispensers and recharging stations for electric vehicles)
- Public transportation (railways for passengers, cabs, limousines, ferries, toll bridges and motorways, parking lots, and garages)
- Popular streaming services include continuity/subscription services, digital items, books, films, paid television on cable, and other pay television.
- Plans for phones (landline and mobile service providers)
This card is not recommended for use for non-bonus category spending because all other purchases only receive 1 point for every dollar spent.
Here, it’s important to note that the popular streaming services category also includes cable and other pay television options. Additionally, the following streaming services are now eligible (whole list here):
- Apple Arcade,Apple Fitness+,Apple Music,Apple News+,Apple TV+,Disney+,ESPN+,Pandora Plus,Pandora Premium,Peacock,Prime Video,Sling TV,Spotify Premium,YouTube TV.
3.How to use Wells Fargo Autograph Rewards:
Wells Fargo SignatureSM There are numerous options available to cardholders for redeeming their points. Each point is worth one penny, and you may exchange them for the following:
- Statement credits for purchases you’ve already made on your account
- A credit (applied to the principal balance) to an eligible Wells Fargo bank account, credit card, or mortgage
- Credit cards
- Booking travel, lodging, or transportation with Wells Fargo Rewards
- At partner retailers, including PayPal, you can pay using points.
You should be aware that cash redemptions made over the phone or online are only accessible in $25 increments; withdrawals from Wells Fargo ATMs are only available in $20 increments.
Points can also be shared with another Wells Fargo client, transferred to another Wells Fargo Rewards account, or added to an already-existing rewards pool by cardholders.
There is no possibility to transfer your points to airline and hotel partners for disproportionate value, in contrast to many other well-known travel rewards credit cards. No matter how you redeem, you will always receive the same amount of points per dollar.
Wells Fargo Autograph Card Benefits and Features
The Wells Fargo Autograph℠Card has no yearly fee and a wide range of advantages that can help customers save money.
1.Introductory 0% APR:
If you need to spread out payments over time due to impending large expenses, the Wells Fargo Autograph℠Card can help you reduce your interest costs. For the first 12 months after their account is opened, new cards’ intro APR on purchases is 0%; after that, it increases to 19.99%, 24.99%, or 29.99% variable APR.
Even if that isn’t the longest 0% APR offer on the market right now, it’s still a good bargain. Just make sure you have the resources and a strategy in place to pay off your bill prior to the intro period ending; otherwise, you risk being responsible for excessive interest fees.
2.Cell phone protection:
Only a few cards, including the Wells Fargo Autograph℠ Card, are available without an annual fee and offer cell phone protection. Your cell phone will be covered for damage or theft up to a limit of $600 per claim (with a $25 deductible) when you pay your monthly cellular bill with the card.
The number of claims you can make is limited to two per calendar year, and the coverage is secondary to any other insurance you may have, such as cell phone plans, homeowner’s, renter’s, vehicle, or employer’s policies.
3.Car rental insurance:
You can receive coverage for damage or theft on some rentals when you pay with the Wells Fargo Autograph℠ Card and decline the rental agency’s collision loss/damage insurance.
In the US, this coverage is supplementary to any personal auto insurance you may have; otherwise, it serves as the primary form of insurance for automobile rentals, independent of any other coverage you may have.
4.Travel and emergency services assistance:
If you have a Wells Fargo Autograph℠ Card and are away from home and encounter an emergency, you can call a 24-hour toll-free number to talk with a benefits administrator. The benefits administrator can assist you with a variety of tasks, including contacting your immediate family on your behalf, directing you to nearby English-speaking healthcare providers, arranging shipping for misplaced luggage, and more. Although the help is free, you are still liable for any expenses, such as paying for medical treatments.
5.Roadside dispatch:
The 24/7 dispatch network can be used to set up services like standard towing, tyre replacement, lockout service and fuel delivery if you experience car problems. Each service has a price, which is now $69.95.
6.Visa Signature Concierge:
Call the Visa Signature Concierge hotline if you need assistance locating and reserving travel plans, dinner reservations, event tickets, and more. You are liable for any fees related to any reservations you make.
7.Visa Signature Luxury Hotel Collection:
The Wells Fargo Autograph℠ Card, which is a Visa Signature card, gives you access to the Visa Signature Luxury Hotel Collection, where you can get the best rate guaranteed, a room upgrade when one is available, a free breakfast for two, and more.
8.Emergency cash disbursement and card replacement:
After contacting Wells Fargo, you can acquire an emergency cash advance and a new card within one to three days if you lose your Wells Fargo Autograph℠ Card. Just keep in mind that the cash advance will be subject to interest charges.
8.My Wells Fargo Deals:
My Wells Fargo Deals are offers for cash back when you shop at specific stores like Starbucks and Airbnb, satisfy any prerequisites, and use your Wells Fargo Autograph℠ Card to make the payment. You may access the bargains through your card account, and they are personalised.
Wells Fargo Autograph vs. Wells Fargo Active Cash
| Details | Wells Fargo Autograph℠ Card | Wells Fargo Active Cash® Card |
| Card type | Travel, cash rewards | Cash rewards |
| Annual fee | $0 | $0 |
| Welcome bonus | 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 a $200 cash rewards bonus after spending $500 in purchases in the first 3 months |
| Earning rate | Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans; plus earn 1X points on other purchases | Earn 2% cash rewards on purchases |
| Redemption methods | -Travel-Gift cards -Credit for eligible purchases -Statement credits-Credits to a qualifying Wells Fargo checking account or mortgage -Mailed checks -Cash via a withdrawal from a Wells Fargo ATM -Payments with rewards at participating merchants, including PayPal -Charitable donations -Merchandise | -Travel -Gift cards -Credit for eligible purchases -Statement credits -Credits to a qualifying Wells Fargo checking account or mortgage -Mailed checks – Cash via a withdrawal from a Wells Fargo ATM -Payments with rewards at participating merchants, including PayPal -Charitable donations-Merchandise |
| Intro APR | 0% intro APR for 12 months from account opening on purchases (then 19.99%, 24.99%, or 29.99% variable) | 0% intro APR for 15 months from account opening on purchases (then 19.99%, 24.99%, or 29.99% variable)0% intro APR for 15 months from account opening on qualifying balance transfers (then 19.99%, 24.99%, or 29.99% variable) |
| Travel perks | -Auto rental collision damage waiver -Travel and emergency services assistance -Roadside Dispatch24/7 concierge service -Access a luxury hotel collection through the Visa Signature Hotel Collection | -Auto rental collision damage waiver -Travel and emergency services assistance -Roadside Dispatch -24/7 concierge service -Access a luxury hotel collection through the Visa Signature Hotel Collection |
| Other benefits | Cell phone protection | Cell phone protection |
| Foreign transaction fee | None | 3% |
| Credit needed | Excellent, Good | Excellent, Good |
Wells Fargo Autograph pros
Popular spending categories:Travel, dining out, and streaming services are just a few of the popular purchase categories where the Autograph card offers 3 points for every dollar spent.
Travel benefits:The card offers a number of travel safety features, such as rental car insurance, round-the-clock roadside assistance, and travel and emergency services support.
No foreign transaction fees:When travelling outside of the United States, use the Autograph card to make transactions without incurring additional costs.
Wells Fargo Autograph cons
No intro APR for balance transfers:Introduced at 0% Only new card purchases are subject to APR; balance transfers are not.
No travel transfer partners:Although the programme doesn’t offer any loyalty rewards transfer partners, points can be redeemed for travel.
Potentially high APR:Depending on your credit score, you can have a high interest rate after the promotional time.
Wells Fargo Autograph vs. Capital One VentureOne Rewards Credit Card
Both the Capital One VentureOne Rewards Credit Card and the Wells Fargo Autograph offer no annual fees. Additionally, both cards have modest spending limits to qualify for a welcome bonus. After spending $500 within the first three months of creating your account, you can earn 20,000 bonus miles with the VentureOne Rewards card.
The VentureOne Rewards card offers a 0% introductory APR on purchases and balance transfers for 15 months instead of 12 (after which a variable APR of 19.74% – 29.74% variable applies). On balance transfers made within the first 15 months, a 3% fee is charged. Both cards offer travel insurance, however the VentureOne card offers it in addition to other benefits that the Autograph card does not.
FAQ – Wells Fargo Autograph Card
What is the Wells Fargo autograph card?
For every dollar spent at restaurants, on travel, petrol, public transportation, popular streaming services and phone plans, the Wells Fargo Autograph℠ Card earns three points.
Earn one point for each dollar spent on additional purchases. A welcome bonus of 20,000 bonus points is also included when you spend $1,000 on purchases within the first three months.
Can I use my Wells Fargo autograph card internationally?
Travel-friendly
The lack of foreign transaction fees is welcome on the Wells Fargo Autograph℠ Card — and, really, should be table stakes for all travel credit cards. Plus, it’s a Visa, which has worldwide acceptance.
Is the Wells Fargo autograph card a credit card?
Cell Phone Protection is available for use with the Autograph Credit Card. When you use a qualifying Wells Fargo credit card to pay your monthly cell phone bill, you’ll receive up to $600 in phone insurance. (Subject to a deductible of $25). Rules apply.
Can foreigner apply for Wells Fargo?
big banks
You could believe that non-residents cannot use any banks.
Larger financial institutions, however, like US Bank, TD Bank, Bank of America, Chase, and Wells Fargo, will let non-residents to open a checking and savings account.
How much is international fee for Wells Fargo?
3%
The foreign transaction cost for Wells Fargo Cash Wise is 3%.
Both purchases made while travelling outside of the United States and those made online from foreign businesses are subject to this tax. The cost is within the range of 1% to 3% that other issuers impose for international transactions.