Wells Fargo Autograph Card review: Quality perks with no annual fee
Editor’s note: This is a recurring post, regularly updated with new information and offers.
Wells Fargo Autograph Card overview
The Wells Fargo Autograph® Card (see rates and fees) offers bonus points in popular spending categories, straightforward redemptions at a flat rate and several valuable benefits that aren’t common on cards with no annual fee. Card rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The Wells Fargo Autograph card is a popular option for those who want a credit card with no annual fee, travel and shopping protections and a quality earning structure. Additional eyes have been on the card ever since Wells Fargo launched transfer partners, allowing cardholders to get maximum value from their points.
The fact that the Autograph Card has no annual fee means there’s no cost for keeping it in your wallet, so you can enjoy benefits like cellphone protection and complimentary access to your credit score for no added cost, among other perks. We recommend a credit score of 670 or higher for this card.
Here’s a closer look at the Wells Fargo Autograph Card.
Wells Fargo Autograph pros and cons
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Wells Fargo Autograph card welcome offer
Earn 20,000 bonus points after spending $1,000 or more in purchases in the first three months from account opening with the Wells Fargo Autograph.
According to TPG's July 2025 valuation, Wells Fargo points are worth 1.6 cents per point, making this offer worth $320 when redeemed for travel.
It’s worth noting that most Wells Fargo credit card applications have the following terms:
You may not qualify for an additional Wells Fargo-branded credit card if you have opened a Wells Fargo-branded credit card in the last 6 months.
Before applying for a Wells Fargo card, make sure it’s been at least six months since the last time you opened a card with them. Keep in mind that Wells Fargo may consider other factors, like how many total credit accounts you’ve opened recently, when considering your application.
TPG credit cards editor Olivia Mittak was denied for a Wells Fargo card for having too many new accounts in the past 24 months, so keep that stat in mind as well when deciding when to apply.
Related: The ultimate guide to credit card application restrictions
Wells Fargo Autograph card benefits
Since it’s a Visa Signature card, you’ll enjoy two built-in benefits with the Wells Fargo Autograph.
The Visa Signature Luxury Hotel Collection provides elitelike benefits on hotel bookings made through its program, including room upgrades on arrival (when available), a $25 food and beverage credit at the property, VIP guest status and complimentary breakfast for two each day.
The Visa Signature Concierge Service can help you with travel bookings, restaurant recommendations and reservations or booking tickets to an event.
The Autograph Card also offers several protections on purchases made with your card. Benefits include a secondary auto rental collision damage waiver on rentals when you pay for the entire transaction with your card, 24/7 roadside dispatch, travel and emergency services assistance and free access to your FICO credit score.
You'll also receive up to $600 of cellphone protection against damage or theft when you pay your monthly bill with the Autograph Card. However, there is a $25 deductible per claim and a limit of two claims in a 12-month period. Note that this protection does not cover lost or missing cellphones.
While you won't get lounge access or statement credits with this card, this is a solid range of benefits 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’ll earn at the following rates:
- 3 points per dollar spent on dining (includes takeout, catering and food delivery services)
- 3 points per dollar spent on travel (airfare, hotels, car rentals, cruises and more)
- 3 points per dollar spent at gas stations and electric vehicle charging stations,
- 3 points per dollar spent on transit, eligible streaming services and phone plans
- 1 point per dollar spent on other purchases
Given that, according to TPG's July 2025 valuation, Wells Fargo points are worth 1.6 cents each, you’ll get a 4.8% return on your spending in these bonus categories.
It's rare to see phone plans as a bonus category on a personal card. Normally, that category pops up on business cards.
Related: The best rewards credit cards for each bonus category
Redeeming points with the Wells Fargo Autograph card
You have several options for redeeming your points at wellsfargo.com/rewards. You can redeem them at a value of 1 cent apiece as a statement credit, for gift cards (in $25 increments), or to book travel, such as flights, rental cars or hotel stays.
You can also redeem points as a credit to a qualifying Wells Fargo credit card, checking account or mortgage. Plus, you can pay with points at participating merchants, including PayPal.
There are positives and negatives to these redemption options.
On the plus side, you never have to guess what your points will be worth when you use them. Using these redemption options means you’ll always get a value of 1 cent per point.
On the negative side, these aren't the best redemption options, since you can get more value from your points by taking advantage of Wells Fargo’s transfer partners.
Related: Wells Fargo Rewards program: How to earn, redeem and transfer points
Transferring points with the Wells Fargo Autograph card
With the Wells Fargo Autograph, you’ll be able to enjoy access to transfer partners to maximize the value of your points. Wells Fargo has the following transfer partners:
- Aer Lingus AerClub
- Air France-KLM Flying Blue
- Avianca LifeMiles
- British Airways Club
- Choice Privileges
- Iberia Club
- Virgin Atlantic Flying Club
While this list isn’t nearly as long as other credit issuers’, it’s still a good selection. Wells Fargo will likely add additional partners in the future, so keep a close eye on this list.
Related: Credit card transfer partners: Guide to transferring points and miles to airlines and hotels
Which cards compete with the Wells Fargo Autograph card?
When considering cards that compete with the Wells Fargo Autograph, two types immediately come to mind: cards that earn transferable rewards and credit cards with similar earning structures.
- If you want Wells Fargo rewards with a simpler earning structure: The Wells Fargo Active Cash® Card (see rates and fees) earns an unlimited 2% cash rewards on purchases, so there are no bonus categories to keep track of. You’ll still enjoy up to $600 of cellular telephone protection against damage or theft (subject to a $25 deductible). It, too, has no annual fee. To learn more, read our full review of the Wells Fargo Active Cash.
- If you like Capital One: The Capital One Venture Rewards Credit Card earns a minimum of 2 miles per dollar on each purchase; you can redeem Capital One miles for travel, as a statement credit against travel purchases or by transferring to 15-plus travel partners. This card has a $95 annual fee. To learn more, read our full review of the Capital One Venture Rewards.
- If you like Chase: The Chase Sapphire Preferred® Card (see rates and fees) is an excellent mid-tier travel card. It offers a complimentary DashPass subscription (activate by Dec. 31, 2027) and a $50 credit for hotel stays booked through Chase Travel℠. It has a $95 annual fee, and provides access to Chase’s 14 transfer partners. To learn more, read our full review of the Chase Sapphire Preferred.
For additional options, check out our full list of the best 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 best for those who want a no-annual-fee card with good benefits like cellphone protection and credit score access. This card grants access to a quality selection of transfer partners, making it a great fit for travel beginners and enthusiasts alike.
Bottom line
We rarely see a card without an annual fee that offers multiple protections and strong earning categories.
Those looking for a card with no annual fee and access to transfer partners may enjoy the Wells Fargo Autograph. If you’re looking for a card that offers more transfer partners, however, going with another issuer, like Chase or Capital One, makes more sense.
Apply here: Wells Fargo Autograph
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.