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Wells Fargo · credit
Last updated
Welcome offer — 20,000 bonus points after $1,000 spend in 3 months Inferred by source
Apply on Wells Fargo's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 3× | Restaurants, travel, gas, transit, streaming & phone plans Inferred by source |
|---|---|
| 1× | Everything else Inferred by source |
Wells Fargo Rewards points transfer to these loyalty programs. Airlines 1:1; hotels 1:2. Inferred by source
| Airlines (9) | |
|---|---|
| Hotels (2) |
No lounge access.
| Rental car CDW | Secondary theft/damage coverage Inferred by source |
|---|---|
| Cell phone protection | Up to $600/claim for damage or theft; $25 deductible; max 2 claims per 12-month period, up to $1,200/year; monthly wireless bill must be paid with card Verified by source |
Using WF Autograph at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each cash advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | Up to 29.99% variable APR (no grace period) Estimated by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Wells Fargo Autograph℠ Card has no annual fee.
The Wells Fargo Autograph℠ Card earns 3x on restaurants, travel, gas, transit, streaming & phone plans, 1x on everything else.
No — the Wells Fargo Autograph℠ Card does not include airport lounge access.
No — the Wells Fargo Autograph℠ Card has no foreign transaction fee, so it's a good card to use abroad.
20,000 bonus points after $1,000 spend in 3 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.