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3. Wells Fargo Autograph℠ Card review: Get rewarded for everyday spending

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119 reviews from Intuit Credit Karma members

3

Rating: 3 out of 5.

Great for rewards on everyday spending

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Wells Fargo Autograph℠ Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $9,659, with $10,000 being the most common.

Here’s the average credit score of members who matched their Wells Fargo Autograph℠ Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 700, with 811 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

30.5%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

44 years

Average age of members who matched this card or similar cards.

$96,075

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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High rewards rate on several everyday spending categories

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Welcome bonus

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No annual fee

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Mediocre base rewards rate

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No major travel perks

Wells Fargo Autograph℠ Card: Core features

The Wells Fargo Autograph℠ Card offers outsized rewards for a travel card with no annual fee. Here are some of the top features to keep in mind as you determine whether it’s the right fit for you.

Impressive rewards on everyday categories

The card offers three points per $1 spent on these six different spending categories.

• Restaurants, including dine-in, takeout, catering, delivery and more
• Travel, including airfare, hotels, car rentals, cruises and more
• Gas, including gas stations and electric vehicle charging stations
• Transit, including subways, rideshares, parking, tolls and more
• Popular streaming services
• Phone plans, including cellphone and landline providers

The variety of rewards categories is solid for a travel card, on par with some of the pricier travel rewards cards you see. And the Wells Fargo Autograph℠ Card holds its own among general rewards cards with rotating categories and spending caps, like the Chase Freedom Flex℠ card, with unlimited rewards that stay the same year-round. Just keep in mind that non-bonus spending will only net you one point per $1, which isn’t all that great of a rewards rate.

Welcome bonus

It’s common for a no-annual-fee credit card to offer a sign-up bonus. With this card, you’ll get 20,000 bonus points (worth $200) when you spend $1,000 on purchases in the first 3 months from account opening.

No major travel perks

While its rewards are solid, if you’re considering the Wells Fargo Autograph℠ Card as a travel card, you may be disappointed to find that it has no major travel benefits. You’ll get an auto rental collision damage waiver, but that’s relatively standard among travel cards.

If you want to up your travel game with travel-related credits, elite status, airport lounge access or other benefits, take a look at some of the top travel credit cards out there.

What else you need to know about the Wells Fargo Autograph℠ Card

As you consider your options, here are some other details to know about the Wells Fargo Autograph℠ Card.

• Intro APR — New cardholders get an introductory 0% APR on purchases for 12 months from account opening, after which the variable purchase APR will be 19.49%, 24.49%, 29.49%.
• Additional cash back — The Wells Fargo Autograph℠ Card provides access to additional cash back offers with select merchants through My Wells Fargo deals.
• Other benefits — The card offers cellphone protection, roadside dispatch, emergency cash disbursement and card replacement, and travel and emergency assistance services.
• No foreign transaction fees — You won’t have to worry about additional costs when you take this card abroad.

Understanding your points and redemption

The Wells Fargo Autograph℠ Card offers points that you can use for a variety of redemption options, including …

• Travel
• Cash back
• Statement credits
• Mortgage payments (if you have a Wells Fargo mortgage)
• Gift cards
• Shopping with participating retailers

What sets the card apart from some other travel cards is that each redemption option gives you a value of 1 cent per point — some other cards may offer less than 1 cent per point with some their redemption options. Though there are plenty of rewards programs with points worth more than double that depending on how you redeem them.

Who the Wells Fargo Autograph℠ Card is good for

Consider this credit card if you spend a lot of money in its bonus categories, don’t want to keep track of rotating categories, and want flexibility with how you can use your points. While the card’s base rewards rate isn’t great, you can still maximize the card’s value by pairing it with another card that offers a higher base rewards rate.

It’s also worth considering if you want a decent welcome bonus but don’t want to deal with an annual fee. The card’s bonus doesn’t compare with some of the top travel credit cards on the market, but it’s still a solid value.

On the flip side, if you’re looking for a card with great travel benefits on top of the rewards program, this one might not be the best fit.

Not sure this is the card for you? Consider these alternatives.

If you’re not sure that the Wells Fargo Autograph℠ Card is the right fit, or you simply want to shop around and compare other options, here are some cards to keep in mind.

• Discover it® Miles: Great for big spenders who want to avoid an annual fee and who don’t travel internationally very often.
• Bank of America® Travel Rewards credit card: Good for fee-averse travel enthusiasts who want a higher base rewards rate on all of their purchases.
• Capital One Venture Rewards Credit Card: Worth considering if you want a high rewards rate on every purchase and a few extra travel perks in exchange for a modest annual fee.