The Wells Fargo Autograph Credit Card has emerged as a top choice for consumers looking for a no-annual-fee card with impressive rewards in everyday spending categories. Whether you’re an avid traveler, a dining enthusiast, or someone who enjoys streaming services, this card might have something for you. Here’s a detailed review of the Wells Fargo Autograph Credit Card, covering its features, benefits, and whether it’s the right fit for you.
Key Features of the Wells Fargo Autograph Credit Card
- No Annual Fee
The Autograph Credit Card comes with zero annual fees, making it an attractive option for budget-conscious cardholders. - Generous Rewards Program
Cardholders earn 3X points on purchases in popular categories such as:- Restaurants
- Travel
- Gas stations
- Transit
- Popular streaming services
- Phone plans
Additionally, you earn 1X point per dollar on all other purchases.
- Sign-Up Bonus
New users can earn a 20,000-point bonus after spending $1,000 on purchases within the first three months. This bonus can be redeemed for $200 in value. - 0% Intro APR on Purchases and Balance Transfers
Enjoy a 0% introductory APR for the first 12 months on purchases and balance transfers, followed by a variable APR of 19.74%-29.74%. - Redemption Options
Points can be redeemed for cash back, travel, gift cards, or merchandise through the Wells Fargo Rewards platform.
Pros of the Wells Fargo Autograph Credit Card
- Broad Bonus Categories
The card’s 3X rewards cover a wide range of everyday spending categories, making it versatile and practical. - No Foreign Transaction Fees
Travelers will appreciate that there are no foreign transaction fees, saving them an additional 3% on overseas purchases. - Cell Phone Protection
Pay your monthly phone bill with the card to get up to $600 in coverage against damage or theft (subject to a $25 deductible). - Contactless Payments and Virtual Wallet Integration
The card supports tap-to-pay and integrates with digital wallets like Apple Pay and Google Pay for seamless transactions.
Cons of the Wells Fargo Autograph Credit Card
- Limited Travel Perks
While the card offers travel rewards, it lacks premium travel perks like airport lounge access or travel credits, which are common with higher-tier cards. - High Regular APR
After the introductory period, the card’s variable APR can go as high as 29.74%, which may be steep for those who carry a balance. - Rewards Value
Points typically have a value of 1 cent each, which is standard but not extraordinary compared to other premium rewards cards.
How Does It Compare?
Wells Fargo Autograph Credit Card vs. Chase Sapphire Preferred
- Rewards: Chase Sapphire Preferred focuses on travel and dining, offering 2X points, while the Wells Fargo Autograph Card provides 3X in more categories.
- Annual Fee: The Sapphire Preferred charges $95 annually, while the Autograph Card is free.
- Travel Perks: Sapphire Preferred includes features like trip cancellation insurance and travel credits, which the Autograph Card lacks.
Wells Fargo Autograph Credit Card vs. Citi Custom Cash Card
- Rewards: Citi Custom Cash offers 5% cash back in your top spending category (up to $500 monthly), whereas the Autograph Card provides fixed 3X rewards in multiple categories.
- Flexibility: Citi Custom Cash caters to those with fluctuating spending patterns, while the Autograph Card benefits consistent spenders across its bonus categories.
Is the Wells Fargo Autograph Credit Card Right for You?
The Wells Fargo Autograph Credit Card is ideal for individuals who want a straightforward rewards card without an annual fee. If you spend significantly in categories like dining, travel, and streaming services, this card offers excellent value. However, if you prioritize travel perks or plan to carry a balance, you might want to explore other options.
FAQs About the Wells Fargo Autograph Credit Card
1. What credit score do I need to qualify?
You’ll typically need a good to excellent credit score (670 or higher) to qualify for the Wells Fargo Autograph Credit Card.
2. Are there blackout dates for travel redemption?
No, there are no blackout dates when redeeming points for travel through Wells Fargo’s Rewards platform.
3. Can I combine points with other Wells Fargo accounts?
Yes, you can combine points with other eligible Wells Fargo accounts for maximum redemption flexibility.
Final Thoughts
The Wells Fargo Autograph Credit Card is a competitive option in the no-annual-fee category. Its robust rewards structure and practical perks make it a great choice for everyday spenders and casual travelers. However, those looking for luxury travel benefits may need to explore higher-end cards.