The Wells Fargo Autograph® Card is a no-annual-fee rewards credit card built for everyday spending and travel.
It pairs broad bonus categories with flexible redemption and includes useful protections such as cell phone coverage when you pay your wireless bill with the card.
Below is a verified, practical guide that covers how the rewards work, current pricing, key benefits, eligibility rules, and how to apply online.
Wells Fargo Autograph Card Snapshot (what to know up front)
3X points in broad everyday categories (restaurants, travel, gas, transit, popular streaming services, and select phone plans), 1X on everything else.
Up to $600 cell phone protection per claim for damage or theft with a $25 deductible when your monthly wireless bill is paid with the card (terms apply).
- Annual fee: $0.
- Purchase intro APR: 0% for 12 months from account opening; after that, a variable APR currently set at 18.99%, 23.99%, or 28.99% based on creditworthiness (tied to the U.S. Prime Rate).
- Balance transfers: Variable APR matches your purchase APR tier; intro transfer fee of $5 or 3% (greater) on transfers made within 120 days of account opening; transfers outside that window can cost up to 5% (minimum $5).
- Cash advances: 29.99% variable APR; fee $10 or 5% (greater).
- Other fees: Late fee up to $40; minimum interest charge of at least $1 if interest is assessed.
- Foreign transaction fee: None.
Rewards in Practice: How to Earn More (without overthinking it)
This card shines because it offers an elevated rate in places where many people spend every week.
If your routine includes commuting, dining out, filling up, and paying for streaming or a phone plan, you’ll accumulate points at an accelerated pace.
A simple approach is to place all purchases in the bonus areas on this card and leave non-bonused spending if you prefer a different product.
If you primarily travel domestically, add the Wells Fargo Autograph® Card to your mobile wallet for transit taps and ride-share charges.
Considerations
Because categories are defined by the merchant category code (MCC) a business sends to the network, results depend on how the merchant is classified.
For instance, some kiosks inside a larger venue may not code as “transit,” and certain niche streaming services might not fall under the “popular streaming” definition.
When in doubt, make a small test purchase and check your posted transaction’s category in your online account before committing larger spend.
Using Points: Redemption Paths You Can Mix and Match
You manage points through Wells Fargo Rewards®.
Redeem for Purchases, statement credits, gift cards, and travel portal booking (redeem directly for flights, hotels, and more).
Pay with Rewards at checkout with participating partners (for example, through PayPal).
Points Transfers
To a selection of travel loyalty programs the bank supports (program availability can change).
A practical routine is to pick one default path (for many, that’s erasing purchases or taking account credit)
Then, keep an eye on limited-time gift card sales or improved transfer opportunities when they appear.
How to Apply Online (clean, quick steps)
If you’ve opened any Wells Fargo-branded consumer credit card in the last six months, approval for another may be restricted.
Separately, customers who currently have the Autograph or have opened one within the past 48 months may be ineligible for the intro purchase APR.
The bank must also verify your identity under the Customer Identification Program (you’ll provide details like name, address, and date of birth).
Published disclosures note a minimum credit limit of $1,000 for this product.
- Visit the official Wells Fargo page for the Wells Fargo Autograph® Card and choose Apply now. Confirm you’re on an official domain before entering information.
- Provide personal data (legal name, address, SSN/ITIN, income) and answer any identity-verification prompts.
- Review the Important Credit Terms carefully—APR tiers, fees, and benefit conditions—so you know exactly how pricing will work if approved.
- Submit the application. Many decisions are near-instant; some require a manual review.
- If approved, confirm receipt once the card arrives so all account features activate. You can then set up online access, enroll in autopay, and request a balance transfer if that’s part of your plan.
Account Setup and Day-One Optimization
Choose full-balance or statement-balance autopay to avoid interest and late fees. Add SMS or push alerts for large transactions and international charges.
Route commuting, dining, and streaming through Wells Fargo Autograph® Card. Keep receipts when testing new merchants to confirm how they code.
Make sure your monthly wireless bill is actually charged to the card. Save your statements and the device’s purchase/repair paperwork.
Review your transaction history weekly; early detection simplifies fraud resolution.
When The Card Makes Sense (and when it doesn’t)
There is a customer profile that fits the Wells Fargo Autograph® Card.
A good fit if
You want a single no-annual-fee card to cover commuting, dining, fuel/charging, travel, and media subscriptions, and you appreciate international use.
It’s also useful if you pay a wireless bill and want built-in device protection without buying a separate plan.
Consider alternatives if
You rarely spend in the bonus areas, you already hold a premium travel card with richer transfer ecosystems, you actively use.
Or you often carry balances beyond any intro period (in which case a lower long-term APR card may be more cost-effective).
Heavy travelers who value airport lounge access, travel credits, and top-tier transfer partners might prefer a travel card with an annual fee and broader perks.
Official Phone Numbers and Addresses (issuer-published)
Credit cards customer service (24/7): 1-800-642-4720
International (collect): 1-925-825-7600
Application status (Wells Fargo Visa): 1-800-967-9521
Corporate offices (not for payments or deposits): Wells Fargo 420 Montgomery Street San Francisco, CA 94104
Conclusion
The Wells Fargo Autograph® Card concentrates value where many people actually spend, and it does so without an annual fee.
Broad bonus areas, flexible redemption through Wells Fargo Rewards, and no foreign transaction fee make it a practical choice for daily life and trips alike.
If the feature mix matches your habits and you meet the issuer’s recent-account rules, applying online is simple and fast.
Disclaimer: This article is informational and not financial advice. APRs, fees, eligibility criteria, rewards categories, and benefits can change at any time; confirm the current Important Credit Terms and the latest benefit guide with the issuer before applying or relying on any protection.
