The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Best for variety of bonus categories
The Wells Fargo Autograph Card packs a punch for a no-annual-fee product, with an array of bonus categories, solid perks and straightforward redemption options.
The Wells Fargo Autograph Card packs a punch for a no-annual-fee product, with an array of bonus categories, solid perks and straightforward redemption options.
Read the full reviewThis card can be a great option for someone who wants a simple way to earn bonus rewards on a wide variety of purchases without paying an annual fee.
This card earns 3 points per dollar spent on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Other purchases earn 1 point per dollar spent.
Rewards rates
Intro offer
20,000 bonus points
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Introductory purchases APR
0% intro APR for 12 months from account opening on purchases
Ongoing purchases APR
18.74%, 24.74%, or 28.74% Variable APR
Ongoing balance transfer APR
18.74%, 24.74%, or 28.74% Variable APR
Ongoing cash advance APR
Refer to Important Credit Terms
Annual fee
$0
Recommended credit
More details