Wells Fargo Autograph Card
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Earn 20,000 bonus points after spending $1,000 in the first 3 months.
20,000 Wells Fargo Rewards points once $1,000 of spend posts within your first 3 months. No annual fee.
- Annual fee
- No annual fee
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
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
At a glance
- 3x on 6 broad categories
- No annual fee
- No FX fees
- Cell phone protection
Earning rates
7- 3xdining
Unlimited 3x points on restaurants (eating places, drinking places, fast food, caterers; includes dine-in, takeout, catering, and delivery)
- 3xlodging
Unlimited 3x points on travel: airlines, hotels and motels, timeshares, vehicle and auto rentals, cruise lines, travel agencies, discount travel sites, and campgrounds
- 3xgas
Unlimited 3x points on gas stations, automated fuel dispensers, and electric vehicle charging stations
- 3xtransit
Unlimited 3x points on transit: passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages, plus rideshare services
- 3xstreaming
Unlimited 3x points on popular streaming services (cable and other pay television, digital goods, books, movies, music, and continuity/subscription services on the published list at wellsfargo.com/autographstreaming)
- 3x
Unlimited 3x points on phone plans: landline and cell phone providers classified as telecommunication services
- 1xeverything else
1x point per $1 on all other net purchases (base rate; cash advances and cash equivalents do not earn points)
Statement credits
1- $25Visa Signature Luxury Hotel Collection
Visa Signature Luxury Hotel Collection: at participating properties booked through visasignaturehotels.com, benefits include best available rate guarantee, automatic room upgrade on arrival when available, complimentary in-room Wi-Fi, $25 food/beverage or similar property credit, late 12 PM checkout when available, and complimentary continental breakfast (CRD180_MC v014)
Perks & memberships
3- No foreign feesNo foreign transaction fees on purchases made outside the United States (confirmed on issuer FAQ and product page)
- ConciergeVisa Signature Concierge Service: complimentary 24/7 concierge to help with tickets to sports and entertainment events, travel booking, dinner reservations, and similar requests (per Visa Signature network benefit CRD138_AU v022, included by Wells Fargo on the Autograph)
- RedemptionRedeem Wells Fargo Rewards points for statement credit to an eligible Wells Fargo credit card or checking account, Pay With Rewards at PayPal checkout, travel booked through Wells Fargo Rewards, gift cards, and merchandise at a baseline 1 cent per point (per Bankrate Wells Fargo Autograph review: Wells Fargo Rewards points have a flat ~1 cent per point value when redeemed for travel, with no portal multiplier)
Travel & purchase protections
4- Auto Rental Collision Damage Waiver: secondary coverage (not primary) for theft and collision damage on eligible rental vehicles when you pay the entire rental with the Autograph and decline the rental company's CDW (Wells Fargo Guide to Benefits CRD36_AU v21; this is the standard Visa Signature default in the cardholder's country of residence, which Wells Fargo has not upgraded to primary on this product)
- Roadside Dispatch: pay-per-use roadside assistance through Visa with no membership required (towing, tire change, jump start, lockout service, fuel delivery, standard winching); 1-800-847-2869
- Travel and Emergency Assistance Services: 24/7 referral assistance for legal, medical, and other emergencies while traveling away from home (cardholder pays for the actual goods and services obtained); 1-800-992-6029 in the U.S., 1-804-673-1675 collect from outside the U.S.
- Visa Signature network tier: includes the standard Visa Signature suite of issuer-optional benefits as built out in the Wells Fargo Autograph Guide to Benefits effective 09/15/2025 (Cellular Telephone Protection, secondary CDW, Roadside Dispatch, Travel and Emergency Assistance, Emergency Cash and Card Replacement, Visa Signature Concierge, Visa Signature Luxury Hotel Collection)
More benefits & fine print (3)ShowHide
- Cellular Telephone Protection: up to $600 per claim against damage, theft, or involuntary and accidental parting of a cell phone, less a $25 deductible, with a maximum of two paid claims per 12-month period; coverage requires paying the monthly cell phone bill with the Autograph and is supplemental to other insurance; does NOT cover lost/mysteriously disappeared phones or electronic/software failure (Wells Fargo Guide to Benefits CP24_MC v4, effective 09/15/2025)
- Emergency Cash Disbursement and Card Replacement: Visa cardholders can receive an emergency cash advance or replacement card typically within 1 to 3 business days (sometimes within 24 hours) after issuer approval; standard cash advance fees and interest apply to cash disbursements
- Free FICO Credit Score access for Wells Fargo cardholders through Wells Fargo Online (per The Points Guy Autograph review)
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Transfer Partners
Full guide →Wells Fargo Rewards points transfer to these loyalty programs:
How to Earn the Bonus
Spend $1,000 in the first 3 months to earn the 20,000 points bonus.
See the Current Offer
Earn 20,000 points
View OfferAffiliate 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.
