Wells Fargo · Visa
Wells Fargo Autograph℠ Card
48 / 100
Annual Fee
$0
Sign-Up Bonus
$200
Spend $1,000 in 3mo
Base Rate
1x
on everything
Best For
No-fee card with broad 3x earning on dining, travel, gas, transit, and streaming
Sign-Up Bonus
Bonus: 20,000 points
Requirement: Spend $1,000 in 3 months
Estimated value: $200
Reward Categories
dining
3xRestaurants and eligible delivery
travel
3xHotels, flights, car rentals, and more
gas
3xGas stations
transit
3xTransit, rideshares, and parking
streaming
3xPopular streaming services
phone
3xPhone plans
Everything else1x
Point value: 0.01¢ each
Key Benefits
No Annual Fee
No Foreign Transaction Fees(~$30/yr)
Cell Phone Protection(~$100/yr)
Pros & Cons
Pros
- + 3x on 6 popular categories with no annual fee
- + No foreign transaction fees
- + Cell phone protection included
- + Low $1,000 spend for 20,000-point bonus
Cons
- - Points worth only 1¢ unless redeemed for travel through portal
- - No transfer partners — points locked into Wells Fargo ecosystem
- - 3x categories are good but not best-in-class for any single category
- - Wells Fargo can be strict on approvals if you're not an existing customer
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Recommended credit score: 690+
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