Now available with a bonus worth $300

This article contains links to products from our advertisers, and we may be compensated when you click on these links. Our recommendations and advice are our own and have not been reviewed by any of the issuers listed. Terms apply to offers listed on this page. Read our editorial standards.

Wells Fargo Autograph card on a colorful/patterned background

With an introductory offer of 30,000 points and excellent 3x bonus categories, the Wells Fargo Autograph is well worth considering.

Wells Fargo; Initiated

  • Now you can apply for the all-new Wells Fargo Autograph℠ card.
  • This card with no annual fee comes with a welcome offer of 30,000 bonus points when you spend $1,500 on purchases within the first 3 months of account opening.
  • It earns 3x points in great categories including restaurants, travel, gas, and phone plans.
  • Read Insider’s guide to the best rewards credit cards.

The unveiling of a new credit card is always exciting, and it’s even better when accompanied by an attractive welcome offer, good perks and bonus categories that appeal to a wide range of customers. The all-new Wells Fargo Autograph℠ Card wins in all of these respects.

The Wells Fargo Autograph℠ Card offers new cardholders a welcome offer of 30,000 bonus points when you spend $1,500 in purchases within the first 3 months of account opening (worth $300 in rewards).

Its bonus categories include many common daily expenses, making the Wells Fargo Autograph℠ card a real powerhouse for earning points. The card also offers a solid range of benefits, including car rental insurance and cell phone protection.

Here’s what to know about the new Wells Fargo Autograph℠ Card if you’re considering applying.

We focus here on the rewards and benefits that come with each card. These cards aren’t worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay off your balance in full each month, make your payments on time, and only spend what you can afford.

Wells Fargo Autograph Card: now accepting applications

Regular APR

16.49%, 21.49% or 26.49% Variable

Recommended credit score

good to excellent

Regular APR

16.49%, 21.49% or 26.49% Variable

Recommended credit score

good to excellent

  • Generous welcome bonus for a card with no annual fee
  • Excellent 3x earn rates in useful categories including restaurants, travel and gas stations (plus, earn 1x points on other purchases)
  • Useful perks including cell phone protection and Visa Signature Concierge
The inconvenients
  • The minimum spend required to earn a bonus is slightly higher than similar cards with no annual fee
  • No airline or hotel transfer partner
More information
  • Earn 30,000 bonus points when you spend $1,500 on purchases in the first 3 months – that’s a cash surrender value of $300
  • Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, public transport, 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. 16.49%, 21.49% or 26.49% variable APR thereafter
  • Get up to $600 in cell phone coverage (subject to a $25 deductible) when you pay your monthly cell phone wireless bill with your eligible Wells Fargo credit card.
  • Redeem your rewards points for travel, gift cards or statement credits. Or shop at millions of online stores and redeem your rewards when you pay with PayPal.
  • Enjoy a collection of premium 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 product features, terms and conditions.

If you’ve been following Wells Fargo, you may notice some similarities between the Wells Fargo Autograph℠ card and the old Wells Fargo Propel American Express® card, which has been retired and no longer accepts applications. Wells Fargo has given this new card a significant boost, with a wider range of bonus and perk categories.

In fact, it’s the issuer’s fourth new card to launch in the past year, following the high-earning Wells Fargo Active Cash® Card (2% cash rewards on purchases) and the Wells Fargo Reflect℠, which has one of the longest 0% APR introductory offers available today. Wells Fargo also partnered with Bilt Rewards earlier in 2022 to reissue the Bilt Mastercard®


The new Wells Fargo Autograph℠ card is a great addition to this lineup, and it’s sure to make waves with its combination of solid rewards and no annual fees.

Welcome bonus offer and earn points

The introductory bonus offer to earn 30,000 bonus points when you spend $1,500 on purchases within the first 3 months of account opening is worth $300 (1 cent per point), and you can use your rewards for a variety of redemptions including travel, gift cards, statement credits and checkout using PayPal.

Beyond the welcome bonus, the card earns a generous 3 points per dollar in the following categories:

  • Restaurants
  • Travel
  • Service stations
  • Transit
  • Popular streaming services
  • Phone plans

This combination of bonus categories should be very useful for most households, especially because there are no spending limits to worry about. Some other cash back cards with similar earning rates, such as the Blue Cash Everyday® card from American Express and the personalized Cash Rewards credit card from Bank of America®, cap their categories from 3% to a maximum amount of expenses per quarter or per year.

0% APR Introductory Offer

If you have big expenses coming up, the Wells Fargo Autograph℠ card has the potential to save you money on interest if you can’t pay for all of your purchases at once. New cardholders receive an introductory APR of 0% on purchases for 12 months from account opening, then a variable APR of 16.49%, 21.49% or 26.49%.

While this is by no means the best introductory APR offer on purchases currently available, it is a nice addition to an already valuable card. There’s no introductory balance transfer offer, though, so if that’s what you’re looking for, you’ll want to check out our guide to the best balance transfer credit cards instead.

Card benefits

Some rewards credit cards with no annual fee offer few benefits, but this is not the case with the Wells Fargo Autograph℠ card. It comes with a respectable range of perks, including a few you don’t often see on this type of card.

Cardholders receive:

  • Mobile phone protection: Up to $600 coverage per claim ($25 deductible) with a maximum of two claims per 12 month period
  • Car rental insurance: Secondary coverage in the United States, primary otherwise
  • Emergency Disbursement and Card Replacement: If your card is lost, damaged or stolen
  • Roadside shipping: Flat rate roadside assistance
  • Travel and emergency assistance services: Help with emergency needs such as medical referrals, legal referrals, locating lost luggage, and assistance with prescriptions (all costs are the responsibility of the cardholder)
  • Visa Signature Concierge Services: Assistance in booking trips, restaurants, event tickets, etc.
  • Visa Signature Luxury Hotel Collection: Elite-like premium benefits at high-end hotels and resorts
  • No foreign transaction fees

Note that you will not receive purchase protection or extended warranty benefits when using the Wells Fargo Autograph℠ Card. If you plan to buy expensive items that can break, such as electronics or gadgets, it’s best to use another card with purchase coverage.

At the end of the line

The new Wells Fargo Autograph℠ card offers a rare combination of a substantial welcome bonus and points earnings, robust benefits and no annual fee. If your typical spending habits fit into its 3 bonus categories – meals, travel, gas, public transport, phone plans and


– definitely worth a look.

However, if you already have other cards that earn higher rewards in these categories, opening the Wells Fargo Autograph℠ Card might not be worth it. It’s rare to find a card that earns uncapped 3x points across such a useful range of categories, so if you’re looking for a versatile card, this could be the perfect fit.

About Shirley L. Kreger

Check Also

Wage garnishment: can credit card companies do it?

The worst thing you can do when you can’t pay your credit card bills is …