Wells Fargo Autograph Credit Card Review
Key Takeaways
The Wells Fargo Autograph card's main advantage is being one of only two Wells Fargo cards that allows point transfers to airline or hotel partners. Since it has no annual fee, we recommend downgrading to this card from an Autograph Journey card after the first year if you want to avoid the Journey's annual fee. However, applying directly for this card isn't ideal, as its welcome offer is significantly lower than the Journey card and doesn't offer enough additional benefits to justify using one of your 5/24 slots. Consider this card only after exhausting your options with Chase, American Express, and Capital One.
Why This Card Could Be Right For You
This straightforward card makes earning rewards simple without the complexity of an annual fee. The welcome bonus is accessible for most cardholders:
- Quick welcome bonus: Earn 20,000 points after spending only $1,000 in the first three months
- Strong category bonuses: Receive 3x points on restaurants, travel, gas, transit, streaming services, and phone providers (both cell and landline)
- No annual fee: Enjoy all benefits without worrying about offsetting a yearly charge
The card provides practical financial flexibility with its 0% APR offer for the first 12 months, perfect for managing larger purchases or balancing your budget. Beyond the basics, cardholders receive valuable protections:
- Up to $600 in cell phone protection
- Auto rental collision damage waiver
What truly distinguishes this card from other Wells Fargo products is its redemption versatility. As one of only two personal Wells Fargo cards with travel transfer partners, you can maximize value by transferring points to airline and hotel programs. Wells Fargo Rewards also enables point transfers between Wells Fargo customers, creating additional flexibility when coordinating rewards strategy with a partner or spouse.
When The Usual Advice Doesn't Apply
Situations where this card might not be suitable:
- The welcome offer is quite modest. Even with 3x points in select categories, you'll accumulate points slowly. The Autograph Journey card offers a higher bonus and superior benefits.
What to Know About Wells Fargo Go Far Rewards
Wells Fargo Rewards should only be considered when you've exhausted Chase, Amex, or Capital One
- One unique feature of Wells Fargo Rewards is that they can be transferred or gifted to another Wells Fargo customer
- The Autograph cards are the only cards with transferable miles to partners
- Wells Fargo doesn’t have the same robust list of transfer partners as other Rewards programs like Chase or Amex
- But there is still value to be had, like transferring to Flying Blue and redeeming miles for one of their monthly Promo Rewards
How The Wells Fargo Autograph Credit Card Fits In The Wells Fargo Go Far Rewards Ecosystem
The Wells Fargo credit card lineup offers several options with distinct advantages and limitations. Understanding how the Autograph card compares to its siblings helps determine its value for your situation:
- Autograph Journey ($95 annual fee) - The premium option in Wells Fargo's lineup and generally worth considering for at least the first year:
- Welcome bonus: 60,000 points after spending $4,000 in 90 days
- Enhanced earning rates: 5x on hotels, 4x on airlines, 3x on other travel and restaurants
- $50 annual statement credit for airline purchases of $50+
- Allows transfers to travel partners
- Autograph (no annual fee) - Best as a downgrade option from the Journey:
- Modest welcome bonus (20,000 points for $1,000 spend)
- Solid category earning with 3x on restaurants, travel, gas, transit, streaming, and phone services
- Maintains the valuable ability to transfer points to travel partners
- Zero annual fee makes it a keeper card
The Wells Fargo lineup also includes two other no-annual-fee cards with comparable welcome bonuses to the Autograph, but neither allows point transfers to partners, significantly limiting their long-term value:
- Wells Fargo Attune: Offers a $100 cash welcome bonus (after $500 spend) and earns 4% in lifestyle categories including gym memberships, salons, entertainment, and transit.
- Wells Fargo Active Cash: Provides a higher $200 cash welcome bonus and features a straightforward 2% cash rewards structure on all purchases with no category restrictions.
When planning your credit card strategy, consider starting with the Autograph Journey for its superior welcome bonus and benefits, then potentially downgrading to the regular Autograph after your first year if you want to avoid the annual fee while maintaining transfer partner access.
Card Information
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $1,000 | 1.4 ¢ | $0 | $0 |
$294
|
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| 3x in Restaurants & Gas | No 5/24 |
Award System
Current Offer
$1,000 spend.
Spend Categories
3X points
4.2¢ Per Dollar Spent
1X points
1.4¢ Per Dollar Spent
3X points
4.2¢ Per Dollar Spent
3X points
4.2¢ Per Dollar Spent
3X points
4.2¢ Per Dollar Spent
3X points
4.2¢ Per Dollar Spent
3X points
4.2¢ Per Dollar Spent
3X points
4.2¢ Per Dollar Spent
Card Benefits
Up to $600 protection (subject to a $25 deductible) on damage or theft of your cell phone when you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card.
Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.
Get reimbursed up to $15,000 for lodging, flights, and activities if the trip is canceled for a covered reason & up to $3,000 in luggage reimbursement per trip if your bags are lost due to theft or misdirection by a common carrier while traveling.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Call 1-800-953-7392 to get complimentary assistance making dinner reservations, buying theater tickets, getting travel guides, sending gifts/flowers, and dozens of other specific requests.
Tire changing, jump starting, locksmith service, fuel delivery and winching; cardholder will be charged for any additional services or goods provided.
Point Transfer Options
Transfer To Spouse/Partner Yes - $$
Transfer To Friends Yes - $$
Travel Partner Transfers
Outside Point System Wells Fargo Go Far Rewards
Transfers Out To
1:1 71% value retained
Wells Fargo Autograph Application Rules
Card approval not subject to 5-personal-cards-in-24-months rule
