Wells Fargo Autograph FAQ: 15 Most Common Questions Answered
The Wells Fargo Autograph from Wells Fargo is one of the most competitive credit cards in the travel rewards cards category. With a rating of 8/10, it offers no annual fee and impressive rewards including 3x dining/gas/travel/transit/streaming/phone.
In this comprehensive review, we break down everything you need to know about the Wells Fargo Autograph: rewards structure, fees, APR, welcome bonus, and how it compares to competitors. Whether you are looking for your first rewards card or adding to your wallet, this guide covers it all.
Wells Fargo Autograph Overview
The Wells Fargo Autograph is issued by Wells Fargo and is designed for consumers with Good-Excellent (670+). It carries a rating of 8/10 from our experts. For those with good to excellent credit, this card can be a valuable addition to your wallet.
| Feature | Details |
|---|---|
| Issuer | Wells Fargo |
| Annual Fee | $0 |
| Intro APR | 0% for 12 months |
| Regular APR | 19.24% - 29.24% Variable |
| Rewards | 3x dining/gas/travel/transit/streaming/phone |
| Welcome Bonus | 20,000 points after $1,000 in first 3 months |
| Credit Score | Good-Excellent (670+) |
| Foreign Tx Fee | 0% |
Rewards & Benefits Breakdown
The Wells Fargo Autograph earns 3x dining/gas/travel/transit/streaming/phone. Here is the detailed breakdown of earning rates:
| Category | Reward Rate |
|---|---|
| All Purchases | 3x dining/gas/travel/transit/streaming/phone |
| Welcome Bonus | 20,000 points after $1,000 in first 3 months |
| Intro APR | 0% for 12 months |
| Credit Score | Good-Excellent (670+) |
Since this card has no annual fee, you can keep it forever without cost. Use it for travel to maximize value.
Fees & APR Analysis
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Purchase APR | 19.24% - 29.24% Variable |
| Balance Transfer APR | 0% for 12 months then 19.24% - 29.24% Variable |
| Foreign Transaction Fee | 0% |
Wells Fargo Autograph vs Competitors
See how Wells Fargo Autograph stacks up against similar cards.
| Card | Fee | Rewards | Bonus | Rating |
|---|---|---|---|---|
| American Express Gold | $250 | 4x dining/groceries, 3x flights | 60,000 points after $4,000 in first 6... | 8/10 |
| Delta SkyMiles Reserve | $650 | 3x Delta, 1x else | 60,000 miles after $5,000 in first 3 ... | 7/10 |
| Bank of America Travel Rewards | $0 | 1.5x unlimited, 25-75% bonus with Preferred Rew... | 25,000 points after $1,000 in first 9... | 7/10 |
| Southwest Rapid Rewards Priority | $149 | 3x Southwest, 2x hotel/car, 1x else | 50,000 points after $2,000 in first 3... | 7/10 |
| United Club Infinite | $525 | 4x United, 2x dining/travel, 1x else | 80,000 miles after $5,000 in first 3 ... | 7/10 |
Pros & Cons
✅ Pros
- Competitive rewards rate: 3x dining/gas/travel/transit/streaming/phone
- Welcome bonus: 20,000 points after $1,000 in first 3 months
- No annual fee
- No foreign transaction fees
- Generous intro APR: 0% for 12 months
❌ Cons
- Higher than average APR
The Wells Fargo Autograph is best for consumers who want a simple, no-fee card with solid rewards. If you have Good-Excellent (670+) credit and spend $1199/month on average, this card could earn you significant value.
How to Apply for Wells Fargo Autograph
Applying for the Wells Fargo Autograph is straightforward. Here is the step-by-step process:
- 1
Check Your Credit Score
Before applying, check your credit score. You need Good-Excellent (670+) for the best approval odds.
- 2
Compare Your Options
Compare the Wells Fargo Autograph with similar cards from other issuers to ensure it is the right fit.
- 3
Gather Required Information
You will need your Social Security number, income information, and address to apply.
- 4
Complete the Online Application
Visit Wells Fargo.com or the Wells Fargo mobile app. The application takes about 5-10 minutes.
- 5
Await Approval Decision
Most applicants receive an instant decision. If approved, your card will arrive in 7-10 business days.
Frequently Asked Questions
You need Good-Excellent (670+) credit to be approved for the Wells Fargo Autograph. Approval is not guaranteed and depends on your overall credit profile.
Yes, with no annual fee, this card is worth keeping in your wallet indefinitely. Plus, the welcome bonus alone covers the first year's value.
The purchase APR is 19.24% - 29.24% Variable. There is an introductory APR of 0% for 12 months.
No, the Wells Fargo Autograph does not charge foreign transaction fees, making it great for international travel.
Rewards can be redeemed through your Wells Fargo online account. Options typically include statement credits, gift cards, travel bookings, and direct deposits.
Conclusion
The Wells Fargo Autograph is a solid choice in the travel rewards cards category. With no annual fee and competitive rewards, it offers good value for the right consumer.
We recommend this card for anyone with Good-Excellent (670+) credit looking for travel rewards on their everyday spending. Compare it with other cards in our list to find the best fit for your wallet.
The Wells Fargo Autograph earns 3x dining/gas/travel/transit/streaming/phone. With a rating of 8/10, it is one of the better options in the travel rewards cards space. Recommended for consumers with Good-Excellent (670+) credit.