Travel Rewards card review
Wells Fargo Autograph® Card
One of the better no-fee category cards: 3x across a wide set of everyday spending, and the points can transfer.
Open to new applicantsPartly verified
At a glance
Annual fee$0
Welcome offer20,000 bonus points$1,000 in 3 months
IssuerWells Fargo
Rewards programWells Fargo Rewards
Foreign transaction feeNone
Welcome offer
20,000 bonus points after $1,000 of spending within 3 months.
Shown on Wells Fargo's own card listing page on 2 November 2026.
Earning rates
| Rate | On | Cap or condition |
|---|---|---|
| 3x | Restaurants, travel, gas, transit, popular streaming and phone plans | No cap stated |
| 1x | Everything else | No cap stated |
Benefits and credits
- No annual fee
- No foreign transaction fees
- Cell phone protection When you pay your monthly phone bill with the card. A deductible applies.
Restrictions worth knowing
- Wells Fargo application limits apply.
How to use it well
- 3x on gas and phone plans is unusual for a no-fee card and covers categories most travel cards ignore.
- Held alongside the Autograph Journey, the two cards cover most common spending at 3x or better.
Sources and freshness
What we checked: Fee and welcome offer read from Wells Fargo's own listing page on 2 November 2026. Earning rates not displayed on that page and not confirmed here.
- Wells Fargo: credit cards — read November 2, 2026
Last updated: November 2, 2026.
Other Wells Fargo cards
- Wells Fargo Active Cash® Card — $0, open to new applicants
- Wells Fargo Autograph Journey® Card — $95, open to new applicants