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Wells Fargo|Personal
Wells Fargo Autograph Card
No Annual Fee
Wells Fargo Autograph Card
4.3/5
Annual Fee
$0
Sign-Up Bonus
20,000 points
Bonus Value
$200
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Earn 20,000 bonus points after spending $1,000 in the first 3 months.
Our Take
The best no-annual-fee card for everyday spend in 2026. 3x on six broad categories with no caps trumps almost every other free card. Pair with the Autograph Journey if you want transferable points.
Earning Rates
3x
restaurants
3x
travel
3x
gas
3x
transit
3x
streaming
3x
phone plans
1x
other
Key Benefits
- 3x on 6 broad categories
- No annual fee
- No FX fees
- Cell phone protection
All Benefits
- 3x on six common categories with no caps
- No annual fee
- No foreign transaction fees
- Cell phone protection (up to $600/claim)
How to Earn the Bonus
Spend $1,000 in the first 3 months to earn the 20,000 points bonus.
Ready to Apply?
Earn 20,000 points
Apply NowAffiliate link — we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Affiliate disclosure:Some links on this page are affiliate links. We earn a commission if you click and complete a qualifying action (sign up, book, buy points), at no extra cost to you. We only feature offers we'd use ourselves. Full disclosure.