Wells Fargo Autograph
No annual fee · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Dining | 3x | uncapped |
| Travel | 3x | uncapped |
| Gas | 3x | uncapped |
| EV charging | 3x | uncapped |
| Transit | 3x | uncapped |
| Streaming | 3x | uncapped |
| Phone Internet | 3x | uncapped |
| Everything else | 1x | uncapped |
See how it ranks: best dining cards · best travel cards · best gas cards · best EV charging cards.
Signup bonus: 20,000 points after $1,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Non-cash perks
- Cellular telephone protection (up to $600, $25 deductible) when you pay your monthly phone bill with the card
- Points transfer to Wells Fargo airline/hotel partners
- No foreign transaction fees
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
- Wells Fargo Autograph vs Chase Sapphire Preferred — which earns more?
- Wells Fargo Autograph vs Blue Cash Preferred Card from American Express — which earns more?
- Wells Fargo Autograph vs AAA Daily Advantage Visa Signature — which earns more?
- Wells Fargo Autograph vs AAA Travel Advantage Visa Signature — which earns more?
- Wells Fargo Autograph vs Everyday Rewards+ (Elan) — which earns more?
- Wells Fargo Autograph vs Travel Rewards+ (Elan) — which earns more?
- Wells Fargo Autograph vs Wyndham Rewards Earner Plus Card — which earns more?
- Wells Fargo Autograph vs PenFed Platinum Rewards — which earns more?
Comparing cards in the same currency? See the best cards that earn Wells Fargo Rewards points →
More from Wells Fargo
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-03 against issuer terms · sources: www.wellsfargo.com. Spot an error? Tell us.