Wells Fargo Autograph® Card
- Best for: Households that put more than half their card spending on dining, gas, travel, transit, streaming, and phone bills
- Rewards: 3 points per dollar, with no cap, on restaurants, travel, transit, popular streaming services, and phone plans; 1 point per dollar on everything else; points worth 1 cent each as cash
- Gas: 3 points per dollar at gas stations and EV charging stations, with no cap; gas at warehouse clubs, superstores, and grocery stores may earn 1 point
- Cost: $0 annual fee; no foreign transaction fee; 0% interest on purchases for the first 12 months, then 18.74%, 24.74%, or 28.74% variable
- Features: Welcome bonus of 20,000 points, worth $200, after $1,000 in purchases in the first 3 months; cell phone protection up to $600 per claim with a $25 deductible; one-for-one point transfers to select travel loyalty programs
- Pros: Uncapped bonus categories; paying the phone bill with it earns 3 points and covers the phone; no foreign transaction fee
- Cons: 1 point per dollar on groceries; third-party delivery services and streaming billed through another company may earn 1 point; no 0% offer on balance transfers
Get the Wells Fargo Autograph® Card if more than half of your card spending goes to restaurants, gas, travel, transit, streaming, and phone plans. In that case, it earns more than a flat 2% card, since those categories pay 3 points per dollar, worth 3% as cash. It charges no annual fee and no foreign transaction fee.
Wells Fargo values each point at 1 cent as cash, so the bonus categories pay 3% back and everything else 1%. Split your spending evenly between the two, and the rates average out to 2%.
Key Features
- $0 annual fee and no foreign transaction fee
- 3 points per dollar, with no cap, at restaurants, gas stations, and EV charging stations and on travel, transit, popular streaming services, and phone plans
- Welcome bonus of 20,000 points, worth $200 as cash, after $1,000 in purchases in the first 3 months
- 0% interest on purchases for the account’s first 12 months, then a variable rate of 18.74%, 24.74%, or 28.74%, depending on your credit
- Up to $600 per claim in cell phone protection, with a $25 deductible and up to two paid claims every 12 months, when you pay your monthly phone bill with the card
Pros
- Six bonus categories with no cap on the points they earn
- Paying your phone bill with it earns 3 points per dollar and covers the phone against damage and theft
- No foreign transaction fee on purchases abroad
- Points that don’t expire while the account is open and transfer one for one to select travel loyalty programs
Cons
- 1 point per dollar on groceries and everything else outside the six categories
- Third-party delivery services and streaming billed through another company may earn just 1 point per dollar
- Gas at warehouse clubs, superstores, and grocery stores may earn just 1 point per dollar
- No 0% offer on balance transfers
- Hotels and airfare earn 3 points per dollar here, while the Wells Fargo Autograph Journey Card pays 5 points per dollar on hotels and 4 on airlines for a $95 annual fee
Households that put more than half their card spending in the six bonus categories earn more here than with a flat 2% card. If most of your spending goes to other purchases, the Wells Fargo Active Cash Card earns more with its flat 2%.
Learn more about the Wells Fargo Autograph® Card or see how it compares to the best credit cards for everyday spending.
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