How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Wells Fargo Autograph Card Review

Wells Fargo Autograph<sup>℠</sup> Card
Welcome Offer
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Rewards Rate
Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
Intro Purchase APR
0% intro APR for 12 months from account opening on purchases, then 20.24%, 25.24%, or 29.99% Variable APR
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Wells Fargo Autograph Card best for?

If you’re in the market for a credit card that offers rewards in everyday spending categories, the $0 annual fee Wells Fargo Autograph Card should be on your radar. Along with elevated points on travel, dining, gas and more, the card comes with a valuable sign-up bonus and an intro APR on purchases.

We highlight the pros and cons of the Wells Fargo Autograph Card — and show how it compares to the Capital One Venture Rewards Credit Card — to help you determine if it’s the right card for you.

Wells Fargo Autograph Card overview

    • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
    • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
    • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
    • $0 annual fee.
    • 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
    • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
    • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
    • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good/Excellent
  • Cellphone protection
  • Foreign transaction fees: None
  • Visa Signature Concierge service

Intro Purchase APR

0% intro APR for 12 months from account opening on purchases

Regular Purchase APR

20.24%, 25.24%, or 29.99% Variable APR

Intro BT APR

N/A

Regular BT APR

20.24%, 25.24%, or 29.99% Variable APR

Annual Fee

$0

Cash Advance Fee

Refer to Important Credit Terms

Foreign Transaction Fee

None

Balance Transfer Fee

3% for 120 days from account opening, then up to 5%, min: $5

Pros and cons

Pros

  • Valuable sign-up bonus with a low spend requirement
  • Rewards in popular spending categories
  • Intro APR on purchases
  • $0 annual fee
  • Cellphone protection

Cons

  • No intro APR on balance transfers
  • No travel transfer partners
  • Potentially high APR
  • Balance transfer fee

What we like about the Wells Fargo Autograph Card

  • Valuable sign-up bonus with a low spend requirement

    The Wells Fargo Autograph Card comes with a valuable sign-up bonus that’s relatively easy to earn. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

  • Rewards in popular spending categories

    Cardholders earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

    Rewards can be redeemed for travel, gift cards, statement credits or merchandise.

  • Intro APR on purchases

    If you need to finance a large purchase, such as a vacation, you can do so without incurring interest charges for a year with the Wells Fargo Autograph Card. The card offers a 0% intro APR for 12 months from account opening on purchases. After that, a 20.24%, 25.24%, or 29.99% Variable APR applies.

  • No annual fee

    The Wells Fargo Autograph Card charges a $0 annual fee.

  • Cellphone protection

    Receive up to $600 of cellphone protection (subject to a $25 deductible) when you use your Wells Fargo Autograph Card to pay your monthly cellphone bill.

What to look out for with the Wells Fargo Autograph Card

  • No intro APR on balance transfers

    Because the Wells Fargo Autograph Card does not offer an intro APR on balance transfers, you will be subject to interest charges at a 20.24%, 25.24%, or 29.99% Variable APR if you transfer a balance to the card.

    If you have high-interest credit card debt that you want to transfer, you may want to consider a card that offers an interest-free period on balance transfers for a year or longer, like the Wells Fargo Active Cash® Card.

  • No travel transfer partners

    While some travel credit cards allow cardholders to transfer rewards to airline and hotel loyalty programs, the Wells Fargo Autograph Card does not.

  • Potentially high APR

    The Wells Fargo Autograph Card has an ongoing 20.24%, 25.24%, or 29.99% Variable APR. So unless you qualify for the lower rate, you could be subject to a high APR.

  • Balance transfer fee

    If you transfer a balance to your Wells Fargo Autograph Card, you will be charged a balance transfer fee of 3% for 120 days from account opening, then up to 5%, min: $5 of the amount of each transaction.

    There are a handful of cards available with no balance transfer fees. However, those cards typically don’t offer interest-free periods of more than a year. They’re also often issued by credit unions that require membership to apply.

Alternate card to the Wells Fargo Autograph Card

Compare it to the Capital One Venture Rewards Credit Card

| Disclosures
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees
N/A
19.99% - 29.99% (Variable)
$95
2 Miles per dollar on every purchase, every day; 5 Miles per
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • For Capital One products listed on this page, some of the 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
660 720 850
Good/Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

If you prefer a travel rewards card with an even more valuable sign-up bonus and the opportunity to transfer rewards to travel transfer partners, you may want to consider the Capital One Venture Rewards Credit Card.

Capital One Venture Rewards Credit Cardholders enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. Cardholders also earn 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel.

Along with redeeming miles for travel, checks, account credit or gift cards, the card lets you transfer miles to a number of travel transfer partners, including Air Canada, British Airways, Choice Hotels, Emirates and more, at a rate of 1:1.

Additional Capital One Venture Rewards Credit Card benefits include a Global Entry or TSA PreCheck credit, auto rental collision damage waiver, travel accident insurance and extended warranty protection. As for foreign transaction fees, there are none.

Keep in mind, though, the Capital One Venture Rewards Credit Card does not offer an intro APR on purchases. So if you carry a balance month over month, you will be subject to interest charges at an APR of 19.99% - 29.99% (Variable).

Also, the Capital One Venture Rewards Credit Card charges a $95 annual fee. However, the value you can get from the card’s sign-up bonus alone more than covers that amount during the first year of card membership.

See Capital One Venture Rewards Credit Card rates and fees.

Is the Wells Fargo Autograph Card right for you?

If you want to earn a generous rewards rate on everyday purchases, such as dining, gas, streaming services and phone plans, the $0 annual fee Wells Fargo Autograph Card could be a great option.

But if you want access to a much more valuable sign-up bonus and more robust travel benefits, the Capital One Venture Rewards Credit Card may be a better fit. Just keep in mind, to earn the bonus, you have to spend significantly more during the first three months of card membership.

Additionally, the Capital One Venture Rewards Credit Card charges an annual fee and does not offer an intro APR on purchases. Therefore, you’ll want to earn more than enough rewards to cover the annual fee each year. You should also be prepared to pay your balance in full each month to avoid incurring interest charges.

See Capital One Venture Rewards Credit Card rates and fees.

To see rates & fees for American Express® Gold Card please click here.

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.