Wells Fargo Autograph

Earn rates · how we got this

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. Bonus figure confirmed on the issuer's page 2026-09-14.

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? · how we got this

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

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