Wells Fargo Autograph
By Alex Compton · Last verified
3x on travel, dining, gas, transit, streaming and phone plans. Free.
Welcome Bonus
20,000
≈$200 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Current offer note: $200 cash redemption value; 48-month product-bonus restriction applies
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered 30k before; the current 20k is right at its typical 20k. Elevated offers have been rare lately, so waiting is a gamble.
Current offer
20k
All-time high
30k
Typical offer
20k
In place since
March 2024
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-04 | 20,000 | $1,000 in 3 mo | Terms reconfirmed$200 cash redemption value; 48-month product-bonus restriction applies | Wells Fargo Autograph product page and offer terms → |
| 2026-01 | 20,000 | $1,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2024-03 | 20,000 | $1,000 in 3 mo | Bonus decreased: 30,000 → 20,000 · Spend: $1,500 → $1,000 | Archive record · no attached snapshot |
| 2022-07 | 30,000 | $1,500 in 3 mo | Earliest recordLaunch | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Confirmed the 20,000-point offer and corrected stale claims by recording direct transfers from the no-fee Autograph card plus current APR and protection terms.
Fields: currentOffer, offerHistory, benefits, cons, lastVerified
Wells Fargo Autograph product page and offer terms →
Source checked 2026-09-04 · spot an outdated offer? Report a correction above.
Embed this chart on your site (free, with attribution)
Bloggers and journalists: paste this snippet to embed the live, auto-updating bonus history chart. Attribution to Credit Compound is included in the widget.
Earning Rates
- 3xRestaurants, travel, gas, transit, streaming, phone plans
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No FTF
- ✦Transfer points directly to select airline and hotel loyalty programs in any amount
- ✦Cell phone protection up to $600 per approved claim with a $25 deductible
- ✦0% intro APR for 12 months on purchases
- ✦Secondary auto rental collision damage waiver
Why it earns its spot
- +Six 3x categories with no fee is unmatched
- +No FTF makes it a real travel companion
Where it costs you
- −Transfer partner list is shorter than larger bank programs
- −No elevated grocery earning
The Compound Verdict
Pound for pound the best no-fee category card. If you refuse annual fees entirely, this plus a 2% card covers nearly everything.
Head-to-Head Comparisons
Rate this card
Be the first to rate it
Commentson Autograph
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.