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Bottom Line: Wells Fargo Autograph® Card makes its case with no annual fee in Credit Cards. Do your homework on fees and terms, but this one belongs on your shortlist.
Overview
The Wells Fargo Autograph® Card offers a robust rewards structure with 3 points per dollar spent in six popular categories, including restaurants, travel, and streaming services. With no annual fee and a welcome bonus of 20,000 points after spending $1,000 in the first three months, it is ideal for everyday spenders looking to maximize their rewards.
Wells Fargo Autograph® Card has carved out a niche in providing services in everyday rewards, no annual fee, restaurant rewards, travel rewards, accepting credit scores from 670 and up.
On the plus side: no annual fee, 3x points on six popular categories, 20,000 point welcome bonus. The trade-offs? limited travel partners, foreign transaction fees.
Key Features
- 20,000 points
- 1x-3x
- $0
- 670-850 (Good to Excellent)
- 19.24%, 24.24%, or 29.24% Variable APR
Rates & Fees
The rate and fee structure looks like this.
- APR range: 1x-3x
- Fees: $0
Your actual rate depends on credit score, loan amount, and term length. These numbers reflect advertised ranges — your offer may differ.
Who Is This For?
Wells Fargo Autograph® Card is geared toward those looking for everyday rewards. A minimum credit score of 670 makes this accessible to borrowers with fair credit or better. Particularly strong for anyone in the market for everyday rewards, no annual fee, restaurant rewards, travel rewards.
This might not be the best fit if limited travel partners is a dealbreaker for you.
Application Process
Apply through Wells Fargo Autograph® Card’s website or platform. Response times are typically 7-10 business days. Have your financial documents ready to speed up the process.
How Wells Fargo Autograph® Card Compares
Wells Fargo Autograph® Card positions itself as a no-frills credit cards option. What you lose in bells and whistles, you gain in simplicity and speed.
With a rating of 9.2/10, it ranks among the stronger options available.
Best For: Everyday Rewards
Response Time: 7-10 business days
