Wells Fargo Autograph Card Review 2023

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The no-annual-fee Wells Fargo Autograph℠ Card earns 3x factors with no limits on eating places, gasoline stations, journey, cellphone plans, transit, and standard streaming companies. Plus, there is a good welcome bonus for brand new cardholders: 30,000 bonus factors whenever you spend $1,500 in purchases within the first three months from account opening. 

Wells Fargo Autograph Card Evaluate: Is It the Finest Credit score Card for You?

The Wells Fargo Autograph℠ Card gives an honest array of advantages, together with cellular phone safety and automotive rental insurance coverage. There’s additionally a 0% intro APR on purchases for 12 months from account opening (then a 20.24%, 25.24%, or 29.99% variable APR), which is useful if in case you have massive bills arising it is advisable to pay for over time.

Relying in your spending habits, different no-annual-fee cash-back playing cards may very well be a greater match for you. You should definitely assess your typical bills earlier than you decide to this card — for those who do not spend quite a bit within the bonus classes, you may be caught incomes simply 1 level per greenback in your different purchases.

If that is the case, a card just like the Wells Fargo Lively Money® Card (2% money rewards on purchases) or Chase Freedom Limitless® (at the least 1.5% again on all spending) might earn you extra rewards in your spending. You should definitely try Insider’s information to one of the best money again bank cards and greatest 2% money again bank cards for all the highest choices.

We’re centered right here on the rewards and perks that include every card. These playing cards will not be value it for those who’re paying curiosity or late charges. When utilizing a bank card, it is vital to pay your stability in full every month, make funds on time, and solely spend what you possibly can afford to pay.

Wells Fargo Autograph Card Rewards

Wells Fargo Autograph welcome bonus provide

The Wells Fargo Autograph℠ Card comes with a welcome bonus provide of 30,000 bonus factors whenever you spend $1,500 in purchases within the first three months from account opening. That is value $300 when redeemed as money, reward playing cards, journey, and extra.

It is a good bonus for a no-annual-fee card, and the comparatively low minimal spending requirement makes it simple to earn.

Find out how to Earn Rewards from the Wells Fargo Autograph

The Wells Fargo Autograph℠ Card earns 3 factors per greenback with no spending caps within the following classes:

• Eating (consuming locations and eating places, ingesting locations, quick meals eating places, caterers)
• Journey (airways, inns, motels, timeshares, automotive leases, cruise strains, journey businesses, low cost journey websites, campgrounds)
• Fuel (gasoline stations, automated gas dispensers, and electrical automobile charging stations)
• Transit (passenger railways, taxis, limousines, ferries, toll bridges and highways, parking tons, and garages)
• Widespread streaming companies (cable and different pay tv, digital items, books, film, music, and continuity/subscription companies)
• Cellphone plans (landline and cellular phone suppliers)

All different purchases earn 1 level per greenback, so this is not a superb card to make use of for non-bonus class spending.

Of observe right here is the favored streaming companies class, which truly consists of cable and different kinds of pay tv. As well as, the streaming companies that qualify (listed in full right here) at the moment embrace:

• Apple Arcade
• Apple Health+
• Apple Music
• Apple Information+
• Apple TV+
• Disney+
• ESPN+
• Pandora Plus
• Pandora Premium
• Peacock
• Prime Video
• Sling TV
• Spotify Premium
• YouTube TV

Find out how to use Wells Fargo Autograph Rewards

Cardholders have all kinds of the way to redeem Wells Fargo rewards. Factors are value 1 cent every, and you may money them in for:

• Purchases you have already made in your account (within the type of an announcement credit score)
• A credit score to a qualifying Wells Fargo checking account, bank card, or mortgage (utilized to the principal stability)
• Reward playing cards
• Flights, inns, or automotive leases via Wells Fargo Rewards
• Pay with factors at taking part retailers, equivalent to PayPal

Notice that money redemptions on-line or by cellphone can be found in $25 increments solely; for those who select to make a redemption by way of a withdrawal from a Wells Fargo ATM, it is in $20 increments.

Cardholders even have the choice to switch factors to a different Wells Fargo Rewards account they personal, share them with one other Wells Fargo buyer, or add them to an present rewards pool.  

In contrast to many standard journey bank cards, there isn’t any choice to switch your factors to airline and resort companions for outsized worth. You will at all times get the identical worth per level, irrespective of the way you redeem.

Wells Fargo Autograph Card Advantages and Options

Regardless of having a $0 annual price, the Wells Fargo Autograph℠ Card truly gives a considerable set of advantages that may save cardholders cash.

Introductory 0% APR

If in case you have massive bills approaching, the Wells Fargo Autograph℠ Card will help you save on curiosity if it is advisable to unfold out funds over time. New cardholders obtain a 0% intro APR on purchases for 12 months from account opening, adopted by a 20.24%, 25.24%, or 29.99% variable APR.

That is not the longest zero-interest bank card 0% APR provide out there at the moment, nevertheless it’s nonetheless an honest deal. Simply make certain you have got the means and a plan to repay your stability earlier than the intro interval expires, in any other case, you could be on the hook for top curiosity costs.

Cellular phone safety

There are solely a handful of no-annual-fee playing cards on the market that include cellular phone safety, together with the Wells Fargo Autograph℠ Card. Whenever you use the cardboard to pay your month-to-month wi-fi invoice, you may obtain cellular phone protection for harm or theft as much as a most of $600 per declare (with a $25 deductible).

There is a most of two claims per 12-month interval, and protection is secondary to different insurance coverage you’ll have, like cellular phone insurance coverage applications, home-owner’s, renter’s, car, or employer’s insurance policies. Take note, too, that misplaced telephones are usually not coated. You’ll be able to examine all of the exclusions and limitations right here.

Automobile rental insurance coverage

Whenever you use the Wells Fargo Autograph℠ Card to pay to your automotive rental and decline the rental company’s collision loss/harm insurance coverage, you will be coated for harm or theft on eligible leases.

Within the US, this protection is secondary to any private auto insurance coverage you’ll have; in any other case, it is major rental automotive insurance coverage no matter your different protection.

Journey and emergency companies help

In case you’re away from dwelling and run into an emergency, as a Wells Fargo Autograph℠ Card holder you possibly can name a 24-hour toll-free quantity to talk to a advantages administrator. The advantages administrator will help ship messages to your fast household in your behalf, refer you to native English-speaking medical professionals, organize cargo of misplaced baggage, and extra. The help is free, however you may be answerable for any prices incurred, equivalent to paying for medical companies.

Roadside dispatch

In case you run into bother whereas driving, you possibly can name the 24/7 dispatch community to rearrange companies like customary towing, tire altering, lockout service, and gas supply. There’s a value for every service, at the moment set at $69.95.

Visa Signature Concierge

In case you need assistance discovering and reserving journey itineraries, dinner reservations, occasion tickets, and extra, you possibly can name the Visa Signature Concierge hotline for help. You will be answerable for the prices related to something you e book.

Visa Signature Luxurious Resort Assortment

As a Visa Signature card, the Wells Fargo Autograph℠ Card grants you entry to the Visa Signature Luxurious Resort Assortment, a gaggle of inns the place you may be eligible for a greatest out there charge assure, room upgrades when out there, complimentary breakfast for 2, and extra. It’s good to e book via the Visa Signature Luxurious Resort Assortment web site to be eligible for these advantages.

Emergency money disbursement and card substitute

In case you lose your Wells Fargo Autograph℠ Card, you may get an emergency money advance and a card substitute inside one to a few days after contacting Wells Fargo. Simply remember the fact that money advance and curiosity charges will apply to the money advance.

My Wells Fargo Offers

My Wells Fargo Offers are gives for money again whenever you store with sure retailers equivalent to Starbucks and Airbnb, meet any specified necessities, and pay along with your Wells Fargo Autograph℠ Card. The offers are customized, and you may entry them via your card account.

Wells Fargo Autograph Card Annual Payment and Different Prices

The Wells Fargo Autograph℠ Card does not cost an annual price, and it does not add overseas transaction charges, so it is a good card to make use of for those who’re touring overseas.

Like most different playing cards, there are charges for different actions, together with:

• Money advances
• Stability transfers
• Late funds

In case you’re on the lookout for a stability switch bank card, you may need to look elsewhere, both with one other Wells Fargo bank card (such because the Wells Fargo Replicate® Card) or an possibility from one other issuer.

How the Wells Fargo Autograph Card Compares

Wells Fargo Lively Money vs Autograph

The Wells Fargo Lively Money® Card is one other very talked-about Wells Fargo bank card. So how does it evaluate to the Wells Fargo Autograph℠ Card?

Trying solely at every card’s welcome bonus worth, they stack up equally. The Wells Fargo Lively Money® Card gives a $200 money rewards bonus after spending $500 in purchases within the first three months from account opening, and the Wells Fargo Autograph℠ Card comes with 30,000 bonus factors whenever you spend $1,500 in purchases within the first three months from account opening (value $300).

The primary distinction between the Lively Money and Autograph is their incomes charges. In case you do not need to bear in mind bonus classes and like simplicity, the Wells Fargo Lively Money® Card is the higher selection, as a result of it earns 2% money rewards on purchases with no limits. 

Nonetheless, for those who spend quite a bit within the Wells Fargo Autograph℠ Card’s 3x bonus classes (eating places, journey, gasoline stations, transit, standard streaming companies, and cellphone plans), you would find yourself incomes extra rewards general. Your spending habits are actually the principle consider deciding which of those playing cards is greatest for you.

These playing cards’ advantages are roughly comparable, with one main distinction: their intro APR gives. With the Wells Fargo Lively Money® Card, you may get an intro APR that applies to purchases and stability transfers (0% intro APR on purchases and qualifying stability transfers for 15 months from account opening, then a 20.24%, 25.24%, or 29.99% variable APR). That is an enchancment over the Wells Fargo Autograph℠ Card’s 0% intro APR on purchases for 12 months from account opening (adopted by a 20.24%, 25.24%, or 29.99% variable APR).

Wells Fargo Autograph Card Incessantly Requested Questions (FAQ)

Why You Ought to Belief Us: How We Reviewed the Wells Fargo Autograph Card

When Insider’s bank cards workforce reviewed the Wells Fargo Autograph℠ Card, we assessed quite a few components compared to comparable no-annual-fee bank cards:

• Ease of use — Are the playing cards’ rewards easy and easy to redeem, or is there an advanced incomes construction? Are there varied choices for utilizing rewards?
• Rewards incomes potential — Does the cardboard earn at a aggressive charge in comparison with different playing cards of the identical kind? Are there beneficiant, helpful bonus classes, and are any of them capped at a spending restrict?
• Card options — Most no-annual-fee bank cards are mild on advantages. Does the cardboard provide perks that you simply would not count on, like cellular phone safety, journey insurance coverage, or assertion credit? 
• Annual price — If the cardboard has an annual price, is it justified? Do the cardboard’s incomes potential and different perks make paying a price value it?

To learn extra about our methodology, try Insider’s information to how we charge bank cards.