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Wells Fargo Autograph

Editor reviewed

Six 3x categories and transferable points on a card with no annual fee

Rates verified July 23, 2026
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Tracked since2026
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The Bottom Line

Annual fee

$0

Biggest pro

Six 3x categories for free is the best no-fee earn structure in travel

Biggest con

Partner list still thinner than Chase or Amex

At a glance

Rates verified July 23, 2026
Annual fee
$0
Rewards
3x restaurants, travel, gas, transit, streaming and phone plans, 1x other
Welcome bonus
20,000 points after $1,000 in 3 months ($200 value)
Regular APR
18.49%, 24.49% or 28.49% variable
Intro APR
0% for 12 months on purchases
Recommended credit
good (670+)
Issuer
Wells Fargo
Network
Visa (Signature)

Is it worth it?

No annual fee, so rewards are pure upside

There is no annual fee to earn back, so every dollar of rewards is money ahead. Weigh the regular APR before carrying a balance, since interest quickly outweighs any rewards.

What is Wells Fargo Autograph?

Editorial review
The best free travel-points card most people have never considered. Six 3x categories with no annual fee is the best no-fee earn structure in travel, and the points transfer to a growing airline and hotel partner list, which adds real upside. There is no annual fee, a 0% intro APR for 12 months on purchases, and a regular APR of 18.49%, 24.49% or 28.49% variable. Earning: 3x on restaurants, travel, gas, transit, popular streaming and phone plans, 1x elsewhere. The welcome bonus is 20,000 points after $1,000 in 3 months, worth $200. Cell phone protection is included and there is no foreign transaction fee. The catch: the transfer partner list is still thinner than Chase's or Amex's, and the bonus is modest.
how we evaluateSourcecreditcards.wellsfargo.com ↗

Pros & Cons

Pros

  • Six 3x categories for free is the best no-fee earn structure in travel
  • Transfers add upside

Cons

  • Partner list still thinner than Chase or Amex
  • Modest bonus

Key details

3x on restaurants, travel, gas, transit, popular streaming and phone plansPoints transfer to a growing airline/hotel partner list0% intro APR for 12 months on purchasesCell phone protectionNo foreign transaction fee

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Wells Fargo Autograph FAQ

What is the annual fee on the Wells Fargo Autograph?

There is no annual fee.

What is the current welcome bonus?

20,000 points after spending $1,000 in the first 3 months, worth $200.

What credit score do you need?

Good credit, roughly 670 or higher.

Source: creditcards.wellsfargo.com