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Earn points for every dollar you spend, with no annual fee and no blackout dates for travel rewards!
The Wells Fargo Autograph card offers an easy way to earn rewards on everyday purchases like dining, travel, and gas—without an annual fee. Plus, you can earn a 20,000-point bonus just for spending $1,000 in the first 3 months.
Keep reading to discover if this card is right for you!
Wells Fargo Autograph
No annual fee 3% foreign transaction feeHow does the Wells Fargo Autograph work?
Once you’re approved, you can start using it right away for everyday purchases like eating out, filling up your gas tank, or booking travel.
The best part? You earn points based on what you spend. For example, if you grab a meal at your favorite restaurant or buy gas, you’ll earn 3X points. If it’s something else, like a regular store purchase, you get 1X point.
There’s no cap on how many points you can earn. So, the more you spend, the more points you rack up. You can track everything through the Wells Fargo app or their website.
And when you’re ready to use your points, you have lots of choices—whether it’s for travel, gift cards, or even cash back. Just make sure to pay your bill in full each month. That way, you avoid any interest charges and really make the most of your rewards.
Main benefits for the Wells Fargo Autograph
The Wells Fargo Autograph comes with some nice perks that make it stand out. First, you can earn 3X points on spending in categories like dining, travel, gas, and even streaming services.
These are the things you probably spend money on every day anyway, so it’s a simple way to collect points fast.
Another big plus is the no annual fee. That means you don’t have to worry about paying extra just to use the card. Plus, you won’t get hit with foreign transaction fees when you use the card abroad, which is perfect if you’re traveling overseas.
The 20,000 bonus points you get for spending $1,000 in the first three months is another great feature. That’s $200 in value right off the bat. It’s a nice boost when you start using the card and helps you get the ball rolling on earning rewards.
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Cons for the Wells Fargo Autograph
Of course, no card is perfect, and there are a few things to consider before jumping in. The main downside of the Wells Fargo Autograph is the APR.
After the 0% intro APR period, the rate can jump to anywhere between 19.24% and 29.24%. If you carry a balance, that can add up quickly, making it expensive in the long run.
Another con is that the rewards structure isn’t as flexible as some higher-end cards. While the 3X points on certain purchases are great, there’s no premium travel perks like airport lounge access or exclusive benefits that some other cards offer. So if that’s what you’re after, this card might not be the best fit.
Lastly, while the points you earn are valuable, they don’t stretch as far as the points on some more premium cards. If maximizing the value of your points is important to you, this card might not be the top contender.
APR and Fees
Let’s talk about fees and APR. The Wells Fargo Autograph doesn’t charge an annual fee, which is a big win. That alone sets it apart from a lot of other rewards cards. For the first 12 months, you get a 0% APR on purchases.
This is great if you need to make a large purchase and want to pay it off over time without paying interest.
But after the 12-month period, the APR can climb between 19.24% and 29.24%. That’s a pretty high range, and if you carry a balance, those interest charges can add up fast. So, it’s best to try and pay off your balance each month to avoid those extra costs.
Also, while there are no foreign transaction fees, there are other fees to keep in mind. For example, you’ll face a fee if you take a cash advance, which is either $10 or 5% of the amount you withdraw.
There’s also a fee for balance transfers. So, if you’re transferring balances from another card, make sure you know what those costs will be.
How to apply for the Wells Fargo Autograph
Applying for the Wells Fargo Autograph is easy. You can do it online by visiting Wells Fargo’s website, or if you prefer, you can apply in person at a branch. Either way, it only takes a few minutes to fill out the application.
You’ll need to provide some basic info like your name, address, and income details. Once you submit your application, Wells Fargo will review it and usually give you a decision right away—sometimes within minutes. In some cases, it might take a couple of days if they need to do a more detailed review.
If you’re approved, you’ll get your card in the mail in about a week. Once it arrives, you can activate it online or through the Wells Fargo app, and you’ll be ready to start using it and earning rewards right away.
