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Wells Fargo Autograph℠ Card Review

Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card Review

Welcome Offer
Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023
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 18.74%, 23.74%, or 28.74% variable APR
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been 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

    • Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023
    • 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. 18.74%, 23.74%, or 28.74% variable APR thereafter
    • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (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.
    • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
    • Select “Apply Now” to learn more about the product features, terms and conditions.
  • Credit needed:
    720 850
    Excellent/Good
  • Cellphone protection
  • Foreign transaction fees: N/A
  • Visa Signature Concierge service

Intro Purchase APR

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

Regular Purchase APR

18.74%, 23.74%, or 28.74% variable APR

Intro BT APR

N/A

Regular BT APR

18.74%, 23.74%, or 28.74% variable APR

Annual Fee

$0

Cash Advance Fee

Refer to Important Credit Terms

Foreign Transaction Fee

N/A

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 lets new cardholders limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023.

  • 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 18.74%, 23.74%, or 28.74% 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 18.74%, 23.74%, or 28.74% 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 18.74%, 23.74%, or 28.74% 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
on Capital One's secure site
N/A
18.99% - 26.99% (Variable)
$95
2 Miles per dollar on every purchase, every day; 5 Miles on
  • 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
  • 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®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • 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
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
680 850

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 on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023.

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, two free lounge visits per year, 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 18.99% - 26.99% (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.

Compare the Wells Fargo Autograph℠ Card to similar cards

Comparison of four different credit cards
Wells Fargo Autograph℠ Card Capital One Venture Rewards Credit Card Chase Sapphire Preferred<sup>®</sup> Card American Express<sup>®</sup> Gold Card
Wells Fargo Autograph℠ Card Capital One Venture Rewards Credit Card Chase Sapphire Preferred® Card American Express® Gold Card
Apply Now
on Wells Fargo's secure site
Apply Now
on Capital One's secure site
Apply Now
on Chase's secure site
Apply Now
on American Express's secure site
Terms Apply
Welcome Offer
Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023 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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
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 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply.
Annual Fee
$0 $95 $95 $250
Intro Purchase APR
0% intro APR for 12 months from account opening on purchases N/A N/A N/A
Regular APR
18.74%, 23.74%, or 28.74% variable APR 18.99% - 26.99% (Variable) 18.99% - 25.99% Variable 19.74%-26.74% Variable
Regular Balance Transfer Rate
18.74%, 23.74%, or 28.74% variable APR 18.99% - 26.99% (Variable) 18.99% - 25.99% Variable N/A
Balance Transfer Fee
3% for 120 days from account opening, then up to 5%; min: $5 $0 at this Transfer APR Either $5 or 5% of the amount of each transfer, whichever is greater. N/A
Recommended Credit
Excellent/Good Excellent/Good Excellent Excellent/Good
Card Details
Wells Fargo Autograph℠ Card Capital One Venture Rewards Credit Card Chase Sapphire Preferred® Card American Express® Gold Card

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.

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