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)
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
Last verified 2026-01-15 · spot an outdated offer? Tell us in the comments.
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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
- ✦Cell phone protection
- ✦Points transfer when paired with Autograph Journey
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 short
- −Point value capped without the Journey
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.
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