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Wells Fargo Autograph review: a travel card that costs nothing to hold

Three points per dollar on six everyday categories, no annual fee and no foreign transaction fee. The categories are fixed, so this card rewards a spending pattern rather than a strategy.

CTBy the Credairy teamUpdated August 30, 2026
✓Edited by the Credairy team

We are not a bank and we do not approve applications. Every rate and fee here comes from the issuer and was checked on August 30, 2026.

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The verdict

A travel card without the annual fee, which is a rare combination. The 20,000-point bonus is worth about $200, there is no foreign transaction fee, and the cell phone protection is a real benefit if you pay your phone bill with it. Groceries are the obvious gap.Jump to:The full review
Official Website Takes you to wellsfargo.com. Rates and fees as published by the issuer.
Wells Fargo Autograph Card
Regular APR18.49%, 24.49% or 28.49% variable APRissuer terms, checked Aug 30, 2026
Rewards rate3X points on dining, travel, gas, transit, streaming and phone plans, 1X elsewhere
Credit lineSet at approvalReported starting lines are commonly $1,000 or more
Intro APR0% intro APR for 12 months on purchases
Who can applyGood credit, commonly reported around 700 or higher
How to applyOnline at wellsfargo.com, or at a branch

Rates and fees in detail

  • No annual fee and no foreign transaction fee.
  • 0% intro APR for 12 months on purchases, then 18.49%, 24.49% or 28.49% variable depending on your profile.
  • There is no 0% intro offer on balance transfers. The transfer fee is 3% intro, then up to 5%, minimum $5.
  • See the full terms on Wells Fargo's page.

More details

  • The bonus is 20,000 points after $1,000 in purchases in the first three months, worth about $200 as a cash redemption.
  • Up to $600 of cell phone protection against damage or theft, subject to a $25 deductible, when you pay the bill with the card.
  • Points do not expire while the account is open, and there are no caps on earning.
  • You may not qualify if you opened another Wells Fargo credit card recently.
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Pros and cons

What works

  • No annual fee

  • 3X on six categories that cover most everyday spending

  • No foreign transaction fee

  • Cell phone protection worth up to $600 per claim

What does not

  • Groceries do not earn the bonus rate

  • No 0% intro offer on balance transfers

  • Fewer transfer partners than the big travel programs

  • Approvals generally need good credit

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The full review

The Autograph is what a no-fee travel card should look like. Restaurants, travel, gas, transit, streaming and phone plans all earn 3X, and those six categories cover a large share of a typical month without asking you to activate anything.

Two details make it work abroad. There is no foreign transaction fee, which alone separates it from most cash back cards, and the Visa Signature benefits include rental car coverage when you pay for the whole rental with the card and decline the counter insurance.

The gap is groceries. If most of your spending is at the supermarket, the 1X rate there will cost you more than the 3X categories give back, and a flat-rate card is the better fit.

» MORE: If you want a longer 0% window instead

» MORE: If you fly one airline often

The basics

Annual fee: $0

Welcome bonus: 20,000 points after $1,000 in purchases in three months

Regular APR: 18.49%, 24.49% or 28.49% variable

Foreign transaction fee: none

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How it compares

Wells Fargo Autograph Card
Official Website
Regular APR18.49%, 24.49% or 28.49% variable APR checked Aug 30, 2026
Credit lineSet at approval
Rewards rate3X on six everyday categories
Who can applyGood credit
Chase Freedom Flex
Official Website
Regular APR18.24% to 27.74% variable APR checked Aug 30, 2026
Credit lineSet at approval
Rewards rateUp to 5% on rotating categories
Who can applyGood to excellent credit
United Club Infinite Card
Official Website
Regular APR19.74% to 28.24% variable APR checked Aug 30, 2026
Credit lineSet at approval
Rewards rateUp to 11X on eligible United flights
Who can applyExcellent credit

Issuer terms as published, checked Aug 30, 2026.

Compare before you applySee every card we cover side by side, with the rates and fees each issuer publishes.
See all cards

Common questions

Do groceries earn 3X?
No. Grocery purchases earn 1X. The 3X categories are dining, travel, gas, transit, popular streaming services and phone plans.
What are the points worth?
About one cent each when redeemed for statement credits, travel or gift cards, which makes the 20,000-point bonus worth roughly $200.
Is there a 0% offer on balance transfers?
No. The 0% intro APR covers purchases for 12 months. Transfers are charged at the ongoing rate.

About the author

CT

Credairy team

We compare credit cards using the terms issuers publish, and we say plainly when a card only works for a narrow kind of spender.