Wells Fargo Autograph Card
A Wells Fargo Visa card with no annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 5, 2026.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, points valued for travel. Merchant credits like Uber or DoorDash aren't counted for typed profiles.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $795 | $535 | $2,935 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $1,315 | $1,055 | $5,533 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $2,042 | $1,782 | $9,168 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the Wells Fargo Autograph ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | Wells Fargo Autograph |
|---|---|
| Issuer and network | Wells Fargo, Visa |
| Annual fee | None |
| Requires | Nothing extra |
| Welcome offer | 20,000 points after $1,000 in 3 months |
| Earning | 3X at restaurants (dining in, take-out, catering; third-party delivery services may not qualify) · 3X on travel (airlines, hotels/motels, car rentals, cruise lines, travel agencies, discount travel sites, campgrounds, timeshares) · 3X at gas stations and EV charging stations · 3X on transit (passenger rail, taxis/rideshare, limousines, ferries, tolls, parking) · 3X on popular streaming services · 3X on phone plans (landline and cell phone providers) · 1x on everything else |
| Rewards currency | Wells Fargo Rewards points |
| Statement credits | None |
| Lounges | None |
| Foreign transaction fee | None |
| Authorized users | No fee |
| Availability | Open to new applicants |
| Verified | Oct 5, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- This card does unlock transfer partners. The issuer page lists 'Rewards Points Transfer' (any amount), and the April 28, 2026 Wells Fargo newsroom release says transfers are open to 'all Wells Fargo credit cards that earn rewards points, including the Autograph and Autograph Journey'. Points transfer 1:1 unless stated otherwise.
- Partners named in Wells Fargo newsroom releases: Choice Privileges, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways Executive Club, Aer Lingus AerClub, Iberia Plus (2024 launch), JetBlue TrueBlue (2025), Wyndham Rewards at 1:2 (2026) and Cathay Pacific Asia Miles (April 2026). Secondary sources also list Virgin Red, and some list Choice at 1:2.
- Category fine print: dining excludes bakeries, grocery stores and third-party delivery services. Gas excludes superstores, warehouse clubs and grocery stores. Phone plans excludes add-on insurance and data, phones and accessories, and phone plans billed through a third party. Streaming excludes services bundled with or billed by a third party. 'Cable and other pay television' bills earn 3X under the streaming category, so cable/TV bills may also earn 3X. Internet-only bills are not explicitly listed.
- There is no intro APR on balance transfers; the BT APR is the regular 18.74% to 28.74%. The terms still give an 'introductory' BT fee of 3% (min $5) for 120 days from opening, then up to 5% (min $5). transferFeePct uses the 3% intro fee.
- APRs are 18.74%, 24.74% or 28.74% variable (prime 7.00%), from terms correct as of September 2026.