4.3 / 5 \u00b7 Bonus Eagle score
Wells Fargo
Wells Fargo Autograph® Card
Welcome bonus
20,000Points
after $1,000 in 3 mo
Annual fee
$0
Purchase APR
18.49% – 28.49%
Credit needed
Good to Excellent (690–850)
on Wells Fargo's secure site
The bottom line
The Autograph is a standout in the no-annual-fee space. A flat 3x on dining, travel, gas, transit, streaming, and phone plans covers a lot of ordinary spending, and unlike most no-fee cards, the points are transferable to travel partners — so the value ceiling is higher than plain cash back.
At a glance
Pros and cons.
Pros
- No annual fee with a flat 3x across six broad categories
- Transferable points to Wells Fargo's partners
- Cell phone protection (up to $1,000/year, $25 deductible)
- 0% intro APR on purchases for 12 months
- No foreign transaction fee
Cons
- Smaller welcome offer than fee-carrying cards
- No premium perks or lounge access
- Transfer partner list is newer and thinner than Chase/Amex
- Base rate outside categories is just 1x
The editorial review
Our take on this card.
The Autograph is a standout in the no-annual-fee space. A flat 3x on dining, travel, gas, transit, streaming, and phone plans covers a lot of ordinary spending, and unlike most no-fee cards, the points are transferable to travel partners — so the value ceiling is higher than plain cash back. It also quietly includes cell phone protection and a 12-month 0% intro APR on purchases, which adds practical value for a $0 card. The honest trade-offs: the welcome offer is modest, there are no premium perks, and Wells Fargo's transfer program is younger and shallower than Chase's or Amex's. But as a free card that earns 3x on real categories with transferable points, it's one of the easiest recommendations on this list — and a natural downgrade target for the Autograph Journey.
How you earn
Rewards by category.
Restaurants
3x
Travel
3x
Gas stations
3x
Transit
3x
Popular streaming services
3x
Phone plans
3x
Everything else
1x
Rates and fees
The full disclosure.
All rates and fees current as of publication. Verify against the issuer's official Terms and Conditions before applying.
Annual fee
$0
Purchase APR
18.49% – 28.49%
Foreign transaction fee
None
Balance transfer fee
3% intro for 120 days from account opening, then up to 5% ($5 minimum)
Late payment fee
Up to $40
Frequently asked
Questions readers ask.
Does it have an annual fee?
No.
What categories earn 3x?
Dining, travel, gas, transit, popular streaming, and phone plans.
Do the points transfer to airlines?
Yes, via Wells Fargo's transfer partners.
Is there an intro APR?
Yes — 0% on purchases for 12 months.
Is there a foreign transaction fee?
No.
