Wells Fargo Autograph Card Review (November 2023)

Quality perks with no annual fee, Bonuses (Up to $300 or More)

Category: Credit Card

Wells Fargo Autograph Card Review (November 2023)

There are a lot of Credit cards available in the market with several benefits but nowadays Wells Fargo Autograph Cards are at their boom time and a lot of positive and negative Wells Fargo Autograph Review people are looking for online. let’s learn more about card benefits and reviews.

What is the Wells Fargo Autograph Card?

The Wells Fargo Autograph card, launched in 2022, quickly became popular due to its no annual fee, travel and shopping protections, and competitive rewards program. 

Wells Fargo, as a credit card issuer, prioritizes quality over quantity. While it may not have as many cards as some of the larger credit card companies.  

Wells Fargo, one of the largest banks globally, offers a wide array of financial services including:

  • Bank Accounts
  • Credit Cards
  • Retirement Accounts
  • Brokerage Accounts
  • Wealth Planning

The Wells Fargo Autograph Card is worthy of celebrity status. There’s a generous welcome bonus.

It offers a smaller yet high-quality selection of cards that are competitive with the leaders in their respective categories such as cash back, 0% intro APR offers, student credit cards, and more.

What are the Card details?

  • Limited Time Offer: Receive 30,000 bonus points after spending $1,500 in the first 3 months. Cash redemption value is $300.
  • Earn 3X points on dining, travel, gas, transit, streaming, and phones, and 1X on everything else.
  • $0 Annual fee.
  • Get 0% APR on purchases for 12 months after account opening—variable APR of 20.24%, 25.24%, or 29.99% thereafter.
  • Pay your monthly cell phone bill with an eligible Wells Fargo card and get up to $600 of protection against damage or theft (subject to a $25 deductible).
  • Redeem your rewards points for travel, gift cards, or statement credits. You can also shop at millions of online stores and use your rewards at checkout with PayPal.
  • Experience exclusive benefits at select hotels worldwide with Visa Signature Concierge.

What are the top perks of the Wells Fargo Autograph Card?

  • The best Wells Fargo credit cards have no annual fees and offer valuable features to save money and achieve financial goals.
  • The best Wells Fargo credit cards offer valuable features without annual fees.
  • Wells Fargo’s rewards cards offer generous rewards rates and welcome bonuses for those seeking to earn rewards. 
  • Need a 0% intro APR? Wells Fargo credit cards offer lengthy 0% intro APR for purchases and balance transfers.
  • If you’re a college student seeking to establish a credit score, you can find a Wells Fargo Autograph Card Credit Score as well.

Top Perks These are the top major features of the Wells Fardgo Autograph Card. 

Rewards can be earned across multiple purchase categories.

The Wells Fargo Autograph Card allows you to earn rewards in various popular spending categories.

You will earn 3 points per $1 in the following categories:

  • Restaurants
  • Travel and transit
  • Gas stations
  • Popular streaming services
  • Phone plans

When compared to other no-annual-fee credit cards, this card offers a solid rewards rate. Additionally, you’ll earn 1 point per $1 on all other purchases made with the card.

Cellphone coverage

When you use your Wells Fargo Autograph Card to pay your telephone service bill, you’ll get cellphone protection, which covers damage, theft, and involuntary and accidental parting. 

This coverage does not apply to strangely vanished cell phones.

Cardholders can receive up to $600 per claim for eligible repairs or replacements and up to $1,200 each 12-month period with a $25 deductible. 

After all previous insurance coverage has been exhausted, this extra insurance coverage can be used. This is an excellent credit card benefit with a low deductible.

Flexible redemption options

With the Wells Fargo Autograph visa® Card, you can enjoy flexible redemption options. You can use your points to shop when you use PayPal, or you can redeem them for gift cards, travel, or a statement credit.

Wells Fargo Autograph Card Benefits and Bonuses.

Wells Fargo Autograph Card Review

Welcome Offer

The Wells Fargo Autograph Card is currently offering a welcome bonus of 30,000 points, which can be redeemed for cash at a value of $300. This promotional offer is exclusively available to new cardholders who spend a minimum of $1,500 within 3 months of opening an account.

0% APR (Annual Percentage Rate) offer on purchases s

The Wells Fargo Autograph℠ Card offers a 0% introductory APR on purchases. This means that for the first 12 months of account ownership, any purchases made with your card will not accrue any interest. After this introductory period, your interest rate will vary depending on your creditworthiness, with a range of 20.24%, 25.24%, or 29.99% variable APR.

This is a beneficial perk that can help you finance the cost of a massive purchase while avoiding interest during the introductory period.

No cap on rewards

  • The Wells Fargo Autograph Card won’t have a cap on the number of rewards that can be accrued, unlike some other credit cards. 
  • This card is the best Wells Fargo credit card due to the allows you to earn rewards that are limitless.

No annual fee

If you’re searching for a rewards credit card with no annual fee, the Wells Fargo Autograph Visa Credit Card fits the bill.

Why should you get the Wells Fargo Autograph Card?

  • This card offers no annual fee, quality earning potential, and travel and shopping protections.
  • You can earn an unlimited 3 points for every dollar spent across multiple categories. 
  • Rewards can be easily redeemed with fixed rates, but travel rewards credit cards may benefit points and miles devotees.

What could be improved about the Wells Fargo Autograph card?

  • Wells Fargo can improve its travel rewards program, which lags behind other card issuers.
  • These cards allow you to earn points that can be redeemed for travel rewards and come with additional benefits to enhance your travel experience. Unfortunately, Wells Fargo falls short in this area.
  • Some Wells Fargo cards only allow fixed cash rate redemption for travel.
  • Wells Fargo does not have any airline or hotel partners that allow you to transfer rewards for high-value redemptions. 
  • Furthermore, their cards do not offer top travel perks, such as spending credits or airport lounge access.

Is the Wells Fargo Autograph Card ideal? 

The Wells Fargo Autograph Card is an excellent rewards credit card that offers attractive benefits and has great rewards-earning potential.

This credit card could be a nice fit for you if you’re looking for a credit card with the following features:

  • No annual fee
  • Earns rewards on various everyday spending categories, no rewards cap
  • Has flexible redemption options
  • Offers 0% intro APR on purchases
  • Includes cellphone protection

If you aren’t seeking a credit card with these reliable benefits, there may be other reward cards that would meet your needs better but you should check the Wells Fargo Autograph card reviews at once.

Is the Wells Fargo Autograph Credit Card worth it?

  • The Wells Fargo Autograph Credit Card is beneficial for those who frequently spend on travel, dining, and streaming. 
  • It has no annual fee and earns 3 points per dollar on a variety of purchases.

Purpose of Wells Fargo Autograph Card

  • The Wells Fargo Autograph card is a great choice for frequent everyday spending due to its unique blend of popular bonus categories.
  • You’ll earn bonus points on everyday spending and travel, including local transit like subways and rideshares.

Comparison 

There are basic differences between the Wells Fargo Autograph Card, Wells Fargo Active Cash Card, and Blue Cash Everyday Card from American Express.

Basis of Comparison Wells Fargo Autograph Card Wells Fargo Active Cash Card Blue Cash Everyday Card from American Express
Intro Offer Limited Time Offer: Earn 30,000 bonus points $200 cash rewards Earn $200
APR 20.24%, 25.24%, or 29.99% variable APR 20.24%, 25.24%, or 29.99% variable APR 19.24% – 29.99% Variable
Intro Purchase APR 0% intro APR for 12 months from account opening 0% intro APR for 15 months from account opening 0% on purchases for 15 months
Recommended Credit Good – Excellent Good – Excellent Good – Excellent

Reward Rate

1X – 3X

2%

1% – 3%

Annual Fee

0

0

0


What are the Pros and Cons?

PROS CONS
Strong welcome bonus for a no-annual-fee card
Some credit cards provide higher rewards, but they typically require an annual fee.
Earn Unlimited 3x points on useful categories
The 1x points baseline rewards rate on other purchases can be outperformed, although it is typical for this type of card.
Cellphone protection


What are the alternative cards?

There are 3 Wells Fargo Visa Credit cards in comparison.

First is the Wells Fargo Autograph Card.

  • Earn 3X points on dining, travel, gas, transit, streaming, and phones, and 1X on everything else.
  • $0 Annual fee.
  • Get 0% APR on purchases for 12 months after account opening—variable APR of 20.24%, 25.24%, or 29.99% thereafter.
  • Pay your monthly cell phone bill with an eligible Wells Fargo card and get up to $600 of protection against damage or theft (subject to a $25 deductible).
  • Redeem your rewards points for travel, gift cards, or statement credits. You can also shop at millions of online stores and use your rewards at checkout with PayPal.
  • Experience exclusive benefits at select hotels worldwide with Visa Signature Concierge.

Second is the Wells Active Cash.

  • Earn $200 cash rewards after spending $500 in the first 3 months.
  • Earn an unlimited amount of 2% cash rewards on every purchase you make.
  • 0% initial APR on purchases and qualifying balance transfers for 15 months from account activation, then a variable APR of 20.24%, 25.24%, or 29.99%; balance transfers made within 120 days qualify for the intro rate and charge of 3%, then a BT fee of up to 5%, min: $5.
  • $0 Annual fee.
  • No need to track categories or remember and cash rewards don’t expire.
  • Experience premium benefits at select hotels with Visa Signature Concierge.
  • Pay your monthly cell phone bill with your eligible Wells Fargo card to get up to $600 of protection against damage or theft (subject to a $25 deductible).

Third is the Wells Fargo Reflect Card.

  • 0% APR on purchases and qualifying balance transfers for 15 months from account activation, then a variable APR of 20.24%, 25.24%, or 29.99%; balance transfers made within 120 days qualify for the intro rate and 3% fee, then a BT fee of up to 5%, min: $5.
  • $0 Annual Fee
  • When you pay your monthly cell phone bill with a prepared Wells Fargo card, you can get up to $600 in cell phone protection against damage or theft (subject to a $25 deductible).
  • A variety of shops can provide you with customized deals. When you use an eligible Wells Fargo credit card to buy, dine, or enjoy an experience, you can receive cashback as an account credit.

What is the Suggested Credit Score?

This credit card is made for people with good credit. When applying for the Wells Fargo Autograph Card, a FICO® score of at least 670 is advised. 

One of the numerous things taken into account throughout the application process is your credit score. A higher credit score may not get you approved, while a lower score may get you denied.

Which cards are upright against the Autograph card from Wells Fargo?

If you want Wells Fargo rewards with a simpler earning structure:

You can accrue Wells Fargo Rewards points using the Wells Fargo Active Cash® Card, just like with the Autograph card, but you won’t have to worry about bonus categories. 

Alternatively, you will receive an endless 2% cash reward on purchases along with access to your credit score and up to $600 in protection against loss or damage to your mobile (with a $25 deductible). There isn’t an annual charge for it either (see rates & costs).

If you want fixed-value points with more benefits:

With the Capital One Venture Rewards Credit Card, you can earn two miles for every dollar spent, and you can use your Capital One miles to book travel by transferring them to more than 15 travel partners or using them as a statement credit. 

There is an annual fee of $95 (see rates & fees) for the card, however, you can get reimbursed for the cost of your TSA PreCheck or Global Entry application.

If you want a similar earning structure with more valuable points:

A $95 annual charge applies to the Citi Premier Card (see rates and fees). Points are earned in a variety of categories: hotels, restaurants (including takeaway), gas stations, grocery stores, and airfare. 

You may still take benefit of mobile protection with this card, in addition to being able to cashback your points and use ThankYou Rewards points with almost 20 airline and hotel partners.

What is the limit on the Wells Fargo Autograph Credit card?

Your individual financial situation determines your credit limit. A card issuer considers several factors, including your work status, annual pay, credit history, credit use, and housing costs, when determining your credit limit. 

You are generally less likely to get authorized for a high credit limit the younger your credit history is.

It is stated by Wells Fargo that the Wells Fargo Autograph Card has a $1,000 minimum credit limit. Furthermore, by contacting Customer Service at the number on the back of your card, you can independently adjust or redistribute your credit limits if you have other Wells Fargo credit cards and would like to raise the credit limit on your Wells Fargo Autograph Card.

Wells Fargo Autograph Card Reviews

There are a lot of customers who have been earning their credit card points and have excellent credit scores.

How much is 1000 Wells Fargo points worth?

Wells Fargo Points Value by Redemption Method.

Redemption Method Average Point Value Value of 1,000 Points
Cash Back 1 cent $10
Gift Cards 1 cent $10
Merchandise Varies Varies
Charity 1 cent $10


What do most people ask these questions about Credit Cards? (FAQs)

Does the Wells Fargo Autograph card foreign transaction fee?
There is no Wells Fargo Autograph foreign transaction fee.

Is the Wells Fargo Autograph card metal?
No, the Wells Fargo Autograph Card is made of plastic like other cards.

Is the Wells Fargo Autograph card good?
yes, it is because you get several benefits on this card if you have one.

What is the Wells Fargo Autograph Card?
The Wells Fargo Autograph is a credit card, launched in 2022, and quickly became popular due to its no annual fee, travel and shopping protections, and competitive rewards program.

What are the Card details?
$0 Annual fee, Get 0% APR on purchases for 12 months after account opening—variable APR of 20.24%, 25.24%, or 29.99% thereafter.

What are the top perks of the Wells Fargo Autograph Card?
The best Wells Fargo credit cards have no annual fees and offer valuable features to save money and achieve financial goals You will earn 3 points per $1.

Why should you get the Wells Fargo Autograph Card?
This card offers no annual fee, quality earning potential, travel and shopping protections, and many more.

Is the Wells Fargo Autograph Card ideal?
This credit card could be a nice fit for you if you’re looking for a credit card with the following features: Has flexible redemption options and offers 0% intro APR on purchases.

What are the alternative cards?
There are 3 Wells Fargo-related Credit cards 1. Wells Fargo Autograph, 2. Wells Fargo Active cash, and 3. Wells Fargo Reflect.

What is the Suggested Credit Score?
A credit score of at least 670 is advised.

What is the eligibility to apply for a credit card?
Age:
Minimum of 18 years old, Income: Fixed deposit or minimum monthly or annual income as set by the bank, Employment: Salaried or Self-Employed, Interest-Free Period: Up to 55 days, ATM Cash Withdrawal Charges: From 2.0% to 3.5% of the amount withdrawn.