The Wells Fargo Autograph® Card is a credit card for everyday spending and travel with no annual fee.
It offers bonus points, valuable protections, and flexible redemption options for rewards. This article explains how to apply and what benefits and features you’ll get.
What Is the Wells Fargo Autograph Card?
The Wells Fargo Autograph Card is a Visa Signature credit card offering elevated rewards for lifestyle categories.
It combines simplicity with real value, giving cardholders access to bonus points, protections, and 0% intro APR for purchases.
You can earn fast and redeem easily, without worrying about annual charges. Here’s what sets it apart from others in the market.
Key Card Features
You can earn 20,000 bonus points when you spend $1,000 within the first three months of card ownership. The card comes with no annual fee, which helps you keep more of what you earn.
You earn 3X points on purchases made for restaurants, travel, gas, transit, streaming services, and phone plans. There is a 0% intro APR for 12 months on purchases, which later changes to a variable APR of 19.24%, 24.24%, or 29.24%.
The card is widely accepted as part of the Visa Signature network, providing you with access to premium benefits. These features make it a versatile card for both daily and travel-related expenses.
Industry Recognition
The Wells Fargo Autograph Card has earned several top industry accolades in recent years. In 2025, NerdWallet named it the Best Travel Credit Card with no annual fee.
The Ascent awarded it the Best Credit Card for Gas in 2024. WSJ Buy Side recognized it for being both the Best Overall Gas Credit Card and the Best Travel Credit Card for No Annual Fee.
These recognitions validate its strong value and customer satisfaction. They also reflect how competitive it is among other major rewards cards.
Benefits and Cardholder Protections
This section outlines the built-in protections, assistance services, and extra features that come with the Autograph Card.
If you travel often or use your card for daily essentials, these benefits can offer real value and security.
Purchase and Device Protections
This section outlines the protections provided by the card for your purchases and devices. These benefits give you peace of mind when using your card in daily life or while traveling.
- Cell Phone Protection: Get up to $600 in coverage for stolen or damaged phones, subject to a $25 deductible.
- Zero Liability: You’re not responsible for unauthorized charges if reported promptly.
- Auto Rental Collision Damage Waiver: Provides reimbursement for covered damage or theft on eligible rentals.
- Travel and Emergency Assistance
- Roadside Dispatch®: 24/7 dispatch service without membership required.
- Emergency Card Replacement and Cash: Receive emergency funds or card within 1 to 3 business days.
- Travel and Emergency Services: Available globally for cardholders needing support while abroad.
Extra Perks and Account Tools
Travel benefits help you feel secure when you’re away from home. This section highlights the key emergency services available to cardholders anytime, anywhere.
- My Wells Fargo Deals: Get personalized cashback deals from select merchants.
- Credit Close-Up®: Track your FICO® Score monthly and get credit insights without affecting your score.
- No Foreign Transaction Fees: Use your card abroad without conversion charges.
How to Apply for the Card?
Applying for the card is fast and can be completed online or in person. Before applying, make sure you meet the eligibility requirements to avoid unnecessary credit inquiries.
Step-By-Step Application Process
Applying online is quick and convenient through the official Wells Fargo website. This section walks you through the basic steps to ensure your application goes smoothly.
- Go to Wells Fargo website and locate the Autograph Card page.
- Click “Apply Now” and fill out the application form.
- Provide your personal details, income, and employment status.
- Review the terms and disclosures carefully.
- Submit your application and wait for instant approval or a follow-up.
Eligibility Requirements
Before applying, it’s important to confirm you meet the card’s basic criteria. This section outlines the core requirements you must fulfill to qualify for the card.
- Must be at least 18 years old (21 in Puerto Rico).
- Must be a U.S. resident with a valid address.
- Required to have a good to excellent credit score, typically 690+.
- Must provide a valid Social Security Number or ITIN.
For Existing Wells Fargo Customers
You can switch an existing credit card to the Autograph Card if eligible. This option doesn’t require a new application or a hard credit check.
- Sign in to your Wells Fargo account.
- Choose your current card.
- Click “Switch My Credit Card” from the dashboard or app.
- A new Autograph Card will be mailed, and your existing rewards will be transferred.
Redeeming Your Wells Fargo Rewards Points
The Wells Fargo Rewards program lets you use points in ways that fit your lifestyle. Redemptions are easy, and many options start with just 1 point.
Ways to Redeem Points
- Travel: Use points for flights, hotels, car rentals, and cruises.
- Gift Cards: Choose from many brands, with options in $25 increments.
- Statement Credit: Apply points to past purchases starting at $1 in value.
You can manage redemptions via your online account or the mobile app. Rewards do not expire as long as your account remains open and in good standing.
Interest Rates and Applicable Fees
The Wells Fargo Autograph Card provides straightforward rates and a transparent fee structure. You get a 0% introductory APR on purchases for the first 12 months.
After that, the APR becomes variable at 19.24%, 24.24%, or 29.24%, depending on your creditworthiness. There is no annual fee and no foreign transaction fee, which makes it suitable for international use.
Late payments and cash advances may incur standard fees as outlined in the card terms. Check Wells Fargo’s official site for the latest credit terms and conditions.
Frequently Asked Questions
Addressing common questions helps ensure you’re fully informed before making a decision. Below are some of the most asked questions about the Wells Fargo Autograph Card.
- Can I earn 3X points on all travel-related expenses?
Yes. Travel purchases include airline tickets, hotels, auto rentals, cruise lines, and travel agencies. Discount travel sites and campgrounds also count. These expenses must be classified as travel-related by the merchant.
- Will I keep my rewards if I switch from another Wells Fargo card?
Yes. Your points will transfer automatically when you switch to the Autograph Card. Your credit line and account history stay the same.
- Can I apply in-branch instead of online?
Yes. Applications are accepted in person at Wells Fargo branches. Bring a valid photo ID, proof of address, and income verification if required.
Contact and Corporate Details
If you need assistance during the application process or after approval, you can reach Wells Fargo through the following methods:
Corporate Headquarters
Wells Fargo
420 Montgomery Street
San Francisco, CA 94104
Customer Support
Visit WellsFargo.com or call the number on the back of your card for service-related inquiries.
Final Thoughts: Should You Get the Autograph Card?
The Wells Fargo Autograph Card is a solid credit card for anyone who wants to earn rewards on everyday purchases without worrying about annual fees.
You benefit from a broad range of categories, strong protections, and redemption flexibility.
It’s handy for those who travel, stream content, or dine out frequently. If you’re eligible, consider applying for this card today.
