Wells Fargo Autograph Card: Discover Its top benefits and features

The Wells Fargo Autograph Card is one of Wells Fargo’s most popular credit offerings, created to cater to consumers who want to earn rewards on the things they already spend on — like travel, dining, gas, and streaming services.

Unlike many premium cards, it offers solid benefits without charging an annual fee, which makes it an appealing option for a wide range of users, from students to professionals.

A key advantage of the Autograph Card is its generous 3X points in several popular categories, paired with flexible redemption options through Wells Fargo Rewards.

For those looking to maximize value without locking into a specific travel or store program, the card brings freedom and ease of use. However, like any credit product, it’s important to assess both the advantages and the limitations before applying.

Benefits

The Wells Fargo Autograph Card provides a number of practical benefits tailored to consumers with dynamic lifestyles. These include:

• 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
• 1X point on other purchases
• No annual fee
• Introductory 0% APR for 12 months on purchases
• Cell phone protection when you pay your bill with the card
• Access to Wells Fargo Rewards for flexible redemptions

These benefits make the card competitive with many mid-tier rewards cards, especially considering its lack of an annual fee.

Prerequisites

To apply for the Wells Fargo Autograph Card, applicants typically need:

• A good to excellent credit score (690 or higher recommended)
• Proof of U.S. residency and a valid Social Security Number (SSN)
• A stable source of income
• Must be 18 years or older (or 21 in some states)
• Not currently a holder of the same card or have recently opened another Wells Fargo credit card

Approval is subject to creditworthiness and other underwriting criteria.

About the bank – Wells Fargo

Wells Fargo & Company is one of the largest and most established financial institutions in the United States. Founded in 1852, it has over 70 million customers, more than 7,000 branches, and around 12,000 ATMs across the U.S.

Wells Fargo offers a broad range of services including personal banking, loans, mortgages, credit cards, and wealth management. Known for blending tradition with innovation, it also maintains a high-rated mobile banking app, making account access and card management simple and secure.

Who is this card for?

The Wells Fargo Autograph Card is ideal for consumers who:

• Frequently dine out, travel, or commute
• Want reward points without paying an annual fee
• Are looking for a starter travel rewards card without committing to airline or hotel partnerships
• Value flexibility in redeeming points

It’s especially suitable for people with good credit who want to earn rewards across everyday spending categories, not just travel. However, it may not be ideal for those who spend heavily on rotating categories or seek premium travel perks like airport lounge access.

What rewards and programs does the card offer?

The Wells Fargo Autograph Card earns points through the Wells Fargo Rewards program, which offers cardholders flexibility in how they redeem their points. These rewards can be used for a variety of options, including travel purchases such as flights, hotels, and car rentals, as well as gift cards, statement credits, cash back, and even merchandise available through the bank’s rewards portal.

One of the most attractive features of this program is that points do not expire as long as the account remains open and in good standing. Additionally, there is no limit to how many points you can accumulate.

While the card doesn’t offer transfer options to airline or hotel loyalty programs, the versatility and ease of use of its rewards system make it a valuable option for everyday users.

Initial credit limit

Wells Fargo doesn’t publish exact numbers upfront, but based on user reports and general standards, here’s what to expect:

• Minimum credit limit: Around $1,000–$1,500
• Maximum credit limit: Can reach up to $15,000 or more, depending on creditworthiness

Your initial limit is based on income, credit score, and credit history.

Step by step to apply for the card

Here’s how you can apply for the Wells Fargo Autograph Card online:

1. Go to the official Wells Fargo Autograph Card page
2. Click on “Apply Now”.
3. Fill in the application form with personal details (name, SSN, income, address).
4. Review and submit your application.
5. Wait for an instant decision or follow up via email or mail.

If approved, the card will be mailed to you in 5–7 business days.

TAP TO ACCESS THE CARD PAGE

Card’s pros and cons

It’s important to consider both the highlights and drawbacks of the card before applying.

Pros:

• No annual fee
• Broad 3X points categories
• Intro 0% APR on purchases
• Cell phone protection
• Points are easy to redeem

Cons:

• No travel transfer partners or premium perks
• No bonus on grocery or wholesale club purchases
• Foreign transaction fees may apply outside the U.S.
• Requires good credit — not ideal for credit builders

How to unlock the card?

Once your card arrives in the mail, follow these steps to activate it:

1. Visit 
2. Log into your Wells Fargo Online account (or create one).
3. Enter the required card details to activate.
4. Alternatively, call the number provided on the sticker attached to the card.
5. Remove the sticker and sign the back of the card.

The card is ready for use immediately after activation.

Fees and tariffs

Here are some of the key costs associated with the Wells Fargo Autograph Card:

• Annual fee: $0
• Intro APR: 0% for 12 months on purchases
• Variable APR after intro period: 20.24% to 29.99%, based on creditworthiness
• Balance transfer fee: 5% (minimum $5)
• Cash advance fee: $10 or 5%
• Late payment fee: Up to $40
• Foreign transaction fee: 3% of each transaction in U.S. dollars

Always check the Cardmember Agreement for up-to-date details.

Customer service

Need help with your Wells Fargo Autograph Card? Use one of the official channels:

• Customer service phone (U.S.): 1-800-869-3557
• Credit card support: 1-800-642-4720
• Online support/chat
• Lost or stolen card: 1-800-869-3557
• Mailing address: Wells Fargo Card Services, PO Box 51193, Los Angeles, CA 90051-5493

You can also manage your card, pay your bill, and track rewards using the Wells Fargo Mobile App.

Mobile app download (for card management):

DOWNLOAD FOR IOS

DOWNLOAD FOR ANDROID

The Wells Fargo Autograph Card stands out as a versatile option for those who want to earn rewards on everyday spending without paying an annual fee.

With flexible redemption options and practical benefits, it’s a strong contender for anyone looking to maximize their purchases responsibly. Before applying, it’s essential to evaluate your financial goals and spending habits to ensure this card aligns with your lifestyle.