Wells Fargo
Wells Fargo Autograph Card
Estimated value every year on typical spending
$528/ year
Every year, after the annual fee. Year one adds a $200 welcome bonus: $728
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Wells Fargo Autograph Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $528 a year on typical spending. The welcome bonus adds roughly $200 in the first year.
The fine print
- Intro APR
- 0% for the first 12 months
- Regular APR
- 18.74% to 24.74% variable
- Foreign fee
- None
- Rewards paid as
- Wells Fargo Rewards · ~1¢ each
- Approval
- Good credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 3X points on restaurants, travel, gas, transit, popular streaming services, and phone plans
- 1X points on other purchases
Sign-up bonus
20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
Best for
- Big spenders on dining
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 12 months
- Regular APR
- 18.74% to 24.74% variable
- $400/mo on dining earns about $144/year (3x).
- $1200/mo on everyday spending earns about $144/year (1x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Wells Fargo Autograph Card: questions people ask
Is the Wells Fargo Autograph Card worth it?
With no annual fee, the Wells Fargo Autograph Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $528 a year on typical spending. The welcome bonus adds roughly $200 in the first year.
What is the Wells Fargo Autograph Card annual fee?
The Wells Fargo Autograph Card has no annual fee ($0).
What is the Wells Fargo Autograph Card 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. We value it at about $200. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Wells Fargo Autograph Card earn?
3X points on restaurants, travel, gas, transit, popular streaming services, and phone plans. 1X points on other purchases.
What credit score do you need for the Wells Fargo Autograph Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Wells Fargo Autograph Card charge foreign transaction fees?
No. The Wells Fargo Autograph Card has no foreign transaction fee.
Does the Wells Fargo Autograph Card have a 0% intro APR?
0% for the first 12 months. After that the regular APR is 18.74% to 24.74% variable.
Compare Wells Fargo Autograph Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Wells Fargo product page. Terms change often; confirm them with the issuer before you apply.