Credit card directory

Wells Fargo Autograph Card

The Wells Fargo Autograph Card has no annual fee and earns Wells Fargo Rewards points at 3X at restaurants, on travel, at gas stations and on transit, and on popular streaming services and phone plans, with 1X on everything else and no foreign transaction fee.

Facts read from the Wells Fargo official Autograph card page on October 22, 2026. How we check them: methodology.

Earn rates, as the issuer prints them

Two of the 3X lanes appear on no other card in this directory: transit and phone plans. The travel line, as printed on the issuer page checked, names no booking channel, so it does not depend on a travel portal the way several other cards here do. Points are Wells Fargo Rewards points; this site has no hub for that currency and records no transfer partners for it, so value them by the redemption options shown in your account. This record shows no caps on the 3X lanes, so the illustration below applies the full rate to every bonus-lane dollar; check the issuer terms for any limit.

A year of spending on this card, worked out

Arithmetic illustration with stated inputs: $300 a month at restaurants, $150 on gas and transit, $120 on a phone plan and streaming, $2,000 a year on travel and $800 a month on other purchases earns 10,800 + 5,400 + 4,320 + 6,000 + 9,600 = 36,120 points. The bonus lanes produce 26,520 of them.

Welcome offer as published

As published on the issuer page: 20,000 bonus points when you spend $1,000 in purchases in the first 3 months.

The 20,000 bonus points need $1,000 in purchases in the first three months, about $333 a month. If that spending lands in the 3X lanes it adds 3,000 points of its own, or 1,000 at the base rate. As with the rest of this card's earn, what 20,000 Wells Fargo Rewards points are worth depends on the redemption you choose in your account.

Who this earn structure suits

Commuters and travelers who want a points card with no annual fee: the 3X lanes cover restaurants, travel, gas, transit, streaming and phone plans, a wider everyday spread than most no-fee travel cards in this directory. It is the only card here that pays a bonus rate on phone plans.

The traps to check in your account

• Wells Fargo sets the redemption options and minimums; confirm them in your account.
• Points are Wells Fargo Rewards points, not cash. Confirm what a point redeems for in your account before comparing this card with a cash card.
• Interest on a carried balance can outweigh the rewards, so the earn table assumes you pay in full.