Wells Fargo Autograph℠ Card review

Wells Fargo Autograph℠ Card review

Updated: April 18, 2024

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Updated: April 18, 2024

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Ratings Policy
Rewards Rating:
4.2 rating
4.2 rating
4.2 / 5
Rewards Value3.0
Rewards Flexibility3.0
Issuer Customer Experience2.0

In a Nutshell:

This card offers solid everyday rewards in a terrific mix of spending categories, but it may not be the best fit for frequent travelers looking for flexible rewards.

See Rates and Fees


Learn more about this card

Rewards Rate

  • 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
  • 1X points on other purchases

Introductory Bonus

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value.


Annual Bonus



Annual Fee


20.24%, 25.24%, or 29.99% Variable APR


Wells Fargo Customer Service Ratings

  • J. D. Power 2021 customer satisfaction rating: 791 (64% of issuers in this category ranked higher)
  • 24/7 customer service?: Yes
  • Online chat available?: Yes
  • Google Play Store mobile app rating: 4.7/5
  • Apple Store mobile app rating: 4.8/5

The Wells Fargo Autograph℠ Card’s rewards structure is uncomplicated and up to par with other cards of its kind. And at 3 points per dollar spent on popular categories such as restaurants, travel, gas stations, transit, select streaming services and cell phone plans, plus 1 point per dollar spent on other purchases, the Autograph card’s rewards rate and category coverage is impressive for a no-annual-fee rewards card. The Autograph also has a suite of benefits and features – like its generous welcome offer or its encompassing protections like the $600 cell phone coverage benefit (subject to a $25 deductible) – that can make it worthwhile for many people.

That said, the card’s lack of a grocery rewards category holds it back as a standalone rewards option. And while potential cardholders looking for a low-interest option might be happy to hear that the Autograph offers a 0% intro APR on purchases for 12 months from account opening (then 20.24%, 25.24% or 29.99% variable thereafter), note that there are cards that will allow you to skip the APR for even longer.

Overall, the Wells Fargo Autograph Card is a solid middle-tier rewards card best suited for everyday travelers and those looking for an easy way to get started in the world of rewards credit cards. For frequent travelers looking to maximize their earnings or those looking for a long intro APR offer, this card might be second best.


  • No annual fee: A card that offers such high rewards rates in so many everyday categories without an annual fee is hard to find.
  • Decent welcome offer: New cardholders can earn 20,000 bonus points after spending $1,000 in purchases within the first three months.
  • High rewards rate in several popular categories: You can earn 3X points in a variety of practical everyday spending categories, making it easy to accumulate points.
  • Valuable cardholder benefits: Including cellphone protection, travel perks like roadside dispatch and Visa Signature® Concierge service and Luxury Hotel Collection access.


  • Short intro APR period: This card’s intro APR period is a bit short compared to the offers you can find on some other rewards cards.
  • High APR: The card’s ongoing APR is steep, with the low-end APR only being slightly lower than the current average credit card APR.
  • Limited redemption options: Earnings can only be redeemed in increments of 2,500 points (worth $25) for cash back, and though you can redeem rewards for travel, there are no transfer partners, which could be a major disappointment for people who want to use the card primarily for travel rewards.
  • No rewards for groceries: Because the Autograph Card lacks this important bonus category, it may be less valuable as a standalone rewards card.

Why you might want the Wells Fargo Autograph Card

In addition to its straightforward rewards structure and solid category coverage, the Wells Fargo Autograph Card stands out for its generous welcome offer and lack of an annual fee, which make it a smart choice for cardholders looking for a low-cost, versatile rewards card. Thanks to its simplicity, the Autograph Card is perfectly suited to beginners who want to earn a solid rewards rate across multiple categories without the burden of tracking spending or activating bonus categories.

Simple rewards structure and varied bonus categories

If you’re confused about how credit card rewards points work, you’re in luck with the Autograph Card. Autograph cardholders will earn 3 points per dollar on restaurant, travel, gas station, and transit purchases, as well as on phone plans and select streaming services. Cardholders will also earn 1 point per dollar on everything else.

That’s a wide range of categories to cover with a single card. Most cards only reward a couple of popular categories like dining, travel and gas at a time, requiring you to juggle multiple cards if you want to earn more than 1 point per dollar on all those expenses. This makes the Autograph card a viable standalone option for everyday spending, with grocery stores perhaps the only major category missing from the card.

While dining, gas and travel bonuses are common on rewards cards, the Autograph card’s phone plan category is an especially unique and potentially valuable benefit. Meanwhile, its rewards rate on gas is one of the best ongoing rates you can get in that category without sacrificing rewards in other everyday categories or paying an annual fee.

There’s also no activation required and no rotating categories to keep track of, like with many other rewards cards that offer a large mix of categories. The simplicity of the Autograph’s rewards program is a boon for anyone learning how to navigate credit card rewards, especially if their typical spending habits align with the Autograph’s rewards categories.

Decent welcome offer

The Autograph currently carries a welcome offer of 20,000 bonus points after you spend $1,000 in purchases in your first three months — a $200 cash redemption value. That’s on par with the welcome offers you’ll typically find on no-annual-fee rewards cards, including the Wells Fargo Active Cash® Card ($200 cash rewards bonus after spending $500 in purchases in your first three months) and the Capital One SavorOne Cash Rewards Credit Card ($200 cash back after spending $500 in your first three months). As you can see, though, the Autograph card’s bonus spending requirement is fairly high compared to the requirement you’ll find on some competing offers. The current bonus is also 10,000 points lower than the card’s previous limited-time offer of 30,000 points with a $1,500 spend in the first three months. That said, there’s no telling whether Wells Fargo will offer such a high bonus again in the near future.

No annual fee

Some cards that offer a high level of rewards come at a cost. For many rewards cards, a hefty annual fee is the price you’ll pay for earning lucrative rewards for your everyday spending. Some credit card annual fees are worth it, but that’s not the case for every type of cardholder. Fortunately, the Wells Fargo Autograph lets you forgo the annual fee and still earn substantial rewards.

Why you might want a different card

While the Autograph card offers solid rewards rates and a generous bonus with no annual fee, you may find the card’s limited rewards redemption options restrictive, especially if you’re hoping to redeem your rewards for travel purchases. And though it earns a fairly high rewards rate in several popular categories, the Autograph card is missing one major bonus category: groceries.

Limited redemption options

Your choices when redeeming your rewards points are limited. For example, travelers looking to cash in on their rewards will find there aren’t many options outside of booking through Wells Fargo or redeeming for cash back or statement credits. To use your Wells Fargo Autograph points on travel, you’ll have to book through your Wells Fargo account. Wells Fargo doesn’t have any airline or hotel partners you can transfer points to in order to boost their value.

No grocery rewards

Though the Autograph Card features a solid mix of popular and practical rewards categories, it’s missing perhaps the most crucial spending category for earning everyday rewards – groceries. Grocery purchases generally make up a much larger portion of the average person’s budget than dining, gas and travel, so if you use the Autograph card as your only rewards card, you’ll likely be leaving a lot of rewards on the table.

To make up for this, you’d need to juggle at least two cards – the Autograph Card and another card that earns bonus rewards on groceries (and Wells Fargo doesn’t currently offer any grocery-specific rewards cards).

Depending on your spending habits, you may be better off with a card that earns rewards on groceries, even if that means paying an annual fee or only earning 1 percent back in some of the Autograph card’s categories.

To see how much of an impact a high rewards rate on groceries can make, compare the Autograph card to one of the best credit cards for groceries on the market, the Blue Cash Preferred® Card from American Express, which earns 6% back on your first $6,000 in U.S. supermarket purchases per year (after that, you earn 1%back), as well as 6% back on select U.S. streaming subscriptions, 3% cash back on transit and U.S. gas station purchases and 1% back on all other purchases.

Let’s assume your grocery spending is about average based on the latest Bureau of Labor Statistics consumer spending data, but a bit higher than average in the Autograph Card’s bonus categories. Assuming you spent about $400 per month at U.S. supermarkets, $350 per month on gas and transit, $200 per month on dining, $150 per month on streaming services, $150 per month on your phone plan and $2,500 per year on travel, you’d still come out on top with the Blue Cash Preferred – despite its ongoing annual fee.

CardRewards calculationAnnual feeEstimated earnings (rewards value minus ongoing annual fee)
Autograph Card$12,700 / year earning 3 percent back + $4,800 / year earning 1 percent back = $429$0$429
 Blue Cash Preferred$6,600 / year earning 6 percent back + $4,200 / year earning 3 percent back + $6,700 / year earning 1 percent back = 589$95 ($0 intro annual fee for the first year)$494

That said, if you don’t like the idea of an annual fee, the Autograph Card can still offer impressive value on its own.

Short 0% intro APR period

The card’s introductory APR period is short compared to similar cards, some of which have introductory APR periods of 15 to 18 months. Cardholders will only get 0% intro APR for 12 months from account opening to pay off new purchases free of interest (the APR will be 20.24%, 25.24% or 29.99% variable after that). Meanwhile, the Wells Fargo Active Cash® Card charges the same interest rate of 20.24%, 25.24% or 29.99% variable APR after a 15-month 0% introductory APR from account opening on purchases.

How does the Wells Fargo Autograph Card compare to other rewards credit cards?

The Autograph is a good choice for users who want a simple rewards structure and spend heavily in its bonus categories, but it may not be the most flexible or rewarding option overall. Check out these alternatives, which can offer higher rewards rates, additional bonus categories or more flexible and potentially valuable rewards.

Citi Custom Cash® Card

Citi Custom Cash® Card

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Rewards rate

  • 5% cash back on purchases in your top eligible spending category each billing cycle, up to the first $500 spent. Then 1% unlimited cash back thereafter
  • 1% unlimited cash back on all other purchases
  • Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025
Rewards rate

  • 5% cash back on Lyft purchases (through March 2025) 5% cash back on travel purchased through Chase Travel
  • 3% cash back on dining at restaurants
  • 3% cash back on drugstore purchases
  • 1.5% cash back on everything else
Rewards rate

  • 5% cash back on hotels and rental cars booked through Capital One Travel
  • 3% cash back at grocery stores (excluding superstores like Walmart® and Target®)
  • 3% cash back on dining
  • 3% cash back on entertainment
  • 8% cash back on Capital One Entertainment purchases
  • 1% cash back on other purchases
Sign-up bonus

20,000 Citi ThankPoint® sign-up bonus (valued at $200 when redeemed for cash back) after you spend $1,500 on purchases in the first six months from account opening

Sign-up bonus

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back.

Sign-up bonus

Get $200 cash back if you spend $500 in the first three months from account opening.

Annual fee


Annual fee


Annual fee


Other things to know

  • No minimum requirement for most cash back redemptions
  • Includes cell phone protection
Other things to know

  • You can transfer your points to a premium Chase Ultimate Rewards cards and boost your point’s value when you redeem for travel through Chase
Other things to know

  • Points are not redeemable for airline travel
  • If you make an eligible new purchase with your SavorOne and find a better price in the next 120 days, you can be reimbursed the difference with SavorOne’s price protection benefit.

Wells Fargo Autograph Card vs. Citi Custom Cash Card

The Citi Custom Cash requires more effort to get the most out of its rewards program. Still, it is a solid alternative to the Wells Fargo Autograph for anyone looking to earn elevated rewards in a specific category. If you spend modestly in categories like transit and at restaurants but find that a big portion of your monthly budget is allocated for groceries, then consider the Custom Cash over the Autograph. Custom Cash cardholders will earn a notable 5% cash back on up to the first $500 in their top eligible spending category each month, where Autograph cardholders earn an elevated 3 points per dollar spent in specific categories, and 1 point per dollar spent on everything else, which may be less lucrative for some cardholders.

Wells Fargo Autograph Card vs. Chase Freedom Unlimited®

While the Chase Freedom Unlimited offers rewards for general purchases that are on par with the Wells Fargo Autograph, the Chase Freedom Unlimited stands out in the travel rewards category. Chase Freedom Unlimited cardholders earn a notable 3% at drug stores and restaurants, and 1.5% on all other purchases, and an elevated 5% cash back on travel purchases made in the Chase Travel Portal. Freedom Unlimited cardholders can also transfer their points to a higher-tier Chase card and redeem points for travel at an up to 50% higher value, in addition to redeeming their points with several Chase travel partners.

Wells Fargo Autograph Card vs. Capital One SavorOne Cash Rewards Credit Card

Are you hoping to earn more rewards on groceries? The Capital One SavorOne might be your best bet. Like the Wells Fargo Autograph, the SavorOne has boosted earnings for categories like hotel and rental car bookings and slightly less generous rewards for grocery shopping. On the other hand, rewards earned for grocery shopping with your SavorOne credit card would fall at 3% cash back on all grocery purchases. The Autograph only rewards grocery shopping at a rate of 1 point per dollar spent on groceries, so shoppers would see more value from the SavorOne. For example, spending $200 on groceries would get you points worth about $2 with the Autograph – if you assume the card’s points are worth the average 1 cent per point – SavorOne card holders would get $6 cash back.

How to use the Wells Fargo Autograph Card

  • Use the Wells Fargo Autograph Card for all restaurant, gas station, daily transit and eligible stream service purchases.
  • Spend at least $1,000 in the first three months to earn the welcome bonus.
  • Pay your cell phone bill using the Wells Fargo Autograph in order to be eligible for up to $600 in cell phone protection coverage (a $25 deductible may apply).
  • Redeem your points for travel in your Wells Fargo account at a 1:1 rate.

Is the Wells Fargo Autograph Card right for you?

If you’re hoping to earn rewards points on your everyday spending – like at restaurants, gas stations and on transit – then the Autograph’s 3 points per dollar spent in those categories might be a solid option, and this is especially true if you’re hoping to avoid an annual fee.

However, it’s missing rewards for grocery purchases, which is a major bonus category. Frequent travelers might not get as much value from their Autograph rewards because they can’t transfer their points to any airline or hotel partners. If you’re hoping to add a card to your arsenal that complements a more advanced rewards strategy, you may want to consider a different rewards card.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

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