US
Wells Fargo
Wells Fargo Autograph
VISA
🇺🇸 United States · Wells Fargo

Wells Fargo Autograph

No-fee 3x on six categories — broader than most no-fee competitors.

4.4 / 5
Joining fee
$0
Annual fee
$0
Top reward
3%
Min income

External link to Wells Fargo. We may earn a referral commission, at no cost to you.

5-year value calculator

How much Wells Fargo Autograph actually pays you over time, net of annual fees.

$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$324
Annual feeNo fee
Welcome bonus (year 1 only)+$1,000
Cumulative net value
+$2,620
over 5 years
Year 1
$1,324
+$1,324/yr
Year 2
$1,648
+$324/yr
Year 3
$1,972
+$324/yr
Year 4
$2,296
+$324/yr
Year 5
$2,620
+$324/yr
Year 1 (with bonus)
$1,324
Year 2+ (steady state)
$324/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

travel
3%
📈
dining
3%
📈
Everything else
1%
📈
🎁
Welcome bonus

20,000 bonus points after $1,000 spend in 3 months

What you get

  • 3x on dining, travel, gas, transit, streaming, cell phone
  • 1x on everything else
  • No annual fee, no foreign transaction fees
  • 0% intro APR for 12 months
  • Cell phone protection up to $600/claim

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min credit score
670+
Self-employed
Eligible