Wells Fargo Autograph Critical Analysis


NEW! 3x Rewards Plus a Bonus

The brand new Wells Fargo Autograph℠ Card boasts incredible ongoing rewards and the biggest welcome bonus we have seen from a card that doesn’t charge an annual fee. With a generous intro APR on purchases and many additional perks, it is easy to see why it is such a popular option for those with good to excellent credit.

Wells Fargo Autograph℠ Card

Purchase APR
0% intro APR for 12 months from account opening, then 18.74%, 23.74%, or 28.74% variable APR
Rewards
1X – 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

Plus earn 1X points on other purchases
Welcome Bonus
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
Recommended Credit Score
Excellent/Good
670 – 850*
Rates and Fees

Critics' Overview

If you are looking for a rewards card with big-time earning potential and a massive welcome bonus, then you have found your match with the Wells Fargo Autograph℠ Card. It is a must have for those who spend regularly in the restaurant, travel, gas stations, and popular streaming services categories. We dig into all the important details below.

Card Details From Wells Fargo

  • 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.

Our Critical Analysis


  • No annual fee
  • Massive bonus offer
  • High rewards rate on popular categories
  • Cell phone protection option

  • No intro APR for balance transfers

The Wells Fargo Autograph℠ Card is an exciting addition to the rewards card category and since you can redeem your rewards for cash back in the form of a statement credit it means you have even more flexibility than most cash back cards. You will earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. There are no caps to worry about, no rewards calendars to keep track of and there is no activation requirement like many other comparable cards. You will also earn 1X points on the purchases that fall outside of these categories.

For a limited time, new card members can earn a 30,000-point welcome bonus after spending $1,500 in the first three months. This bonus has a $300 cash redemption value and it is the biggest welcome bonus we have seen on a card that does not charge an annual fee. This means you are getting another 20% back on the first $1,500 you spend. This lucrative welcome offer expires 1/10/2023 so make sure to apply today.

Those seeking a 0% intro APR will be happy to hear that the Wells Fargo Autograph℠ Card allows you to pay 0% interest for 12 months from account opening on purchases. After the introductory rate the 18.74%, 23.74%, or 28.74% variable APR will apply. There is not an introductory offer on balance transfers so if you are in the market for a rewards card that offers one we suggest checking out the Bank of America® Customized Cash Rewards credit card.

Another unique perk offered is cell phone protection. Simply use your Wells Fargo Autograph℠ Card to pay your cellular telephone bill and you can get up to $600 of protection on your cell phone (subject to $25 deductible) against covered damage or theft. This will help give you peace of mind that your cell phone is protected while saving you money by not needing to pay out of pocket for the protection through another provider.

If you have good to excellent credit and are looking for a flexible rewards credit card that pays an above-average of 3X the points on popular categories, then the Wells Fargo Autograph℠ Card is the perfect choice for you.


Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.