Wells Fargo Autograph
By Alex Compton · Last verified
No-annual-fee category rewards with cash redemption and direct travel-partner transfers
Welcome Bonus
20,000
≈$200 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
No
score guarantees approval; Wells Fargo reviews creditworthiness and application information
Current offer note: 20,000 points, worth $200 in cash redemption, after $1,000 in net purchases post within three months; introductory-offer eligibility restrictions apply.
Common Questions
What is the current Wells Fargo Autograph bonus?
The public offer verified October 23, 2026 is 20,000 points after $1,000 in net purchases post within three months, with an advertised $200 cash-redemption value.
Does Autograph have an annual or foreign transaction fee?
No. The card has neither an annual fee nor a foreign transaction fee. Interest and other fees can still apply.
Do I need Autograph Journey to transfer Autograph points?
No. The no-annual-fee Autograph supports direct online transfers to participating travel loyalty programs. Check current ratios and award availability; transfers are final.
Does Autograph earn 3x at supermarkets?
Ordinary supermarket purchases do not have a dedicated 3x category and generally earn 1x. Merchant coding determines whether a particular purchase qualifies for a listed bonus category.
Is Autograph’s introductory APR available on balance transfers?
No. The advertised 12-month 0% APR is for purchases. Balance transfers have a separate variable APR and a transfer fee.
Does a 670 score guarantee Autograph approval?
No. Wells Fargo considers creditworthiness and application information, and recent Wells Fargo card openings can affect eligibility.
How much phone protection does Autograph provide?
Up to $600 per covered claim with a $25 deductible, limited to two paid claims and $1,200 per 12 months. Full monthly bill payment, coverage timing and exclusions apply.
Does 3x travel require booking through Wells Fargo?
No. Eligible direct travel purchases can earn 3x. The merchant must fall into a qualifying travel category; exclusions and coding rules apply.
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 |
|---|---|---|---|---|
| 2026-10-23 | 20,000 | $1,000 in 3 mo | Terms reconfirmed20,000 points, worth $200 in cash redemption, after $1,000 in net purchases post within three months; introductory-offer eligibility restrictions apply. | Wells Fargo Autograph product page and offer terms → |
| 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
Reconfirmed 20,000 points after $1,000 in three months and no annual/foreign fees. Clarified categories, direct transfers, purchase-only intro APR, eligibility and coverage. Corrected related comparison, benefit row and guide blurbs without renewing their full-review dates.
Fields: currentOffer, offerHistory, lastVerified, creditScore, tagline, earningRates, benefits, pros, cons, ourTake, bestFor, editorialReview
Wells Fargo Autograph terms, benefits and official transfer announcements → - 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 2026-10-23 · spot an outdated offer? Report a correction above.
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Earning Rates
- 3xEligible restaurants, travel, gas/EV charging and transitMerchant coding and exclusions apply; eligible direct travel bookings can qualify
- 3xEligible streaming and phone plansThird-party billing, bundles, phones and accessories may not qualify
- 1xOther eligible net purchasesNo separate supermarket bonus category
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No annual fee or foreign transaction fee
- ✦Direct online transfers to participating travel loyalty programs; transfers are final and partner terms apply
- ✦Phone protection up to $600 per claim with a $25 deductible; two paid claims and $1,200 maximum per 12 months, subject to payment timing and exclusions
- ✦0% introductory APR for 12 months from opening on purchases only; balance transfers have a separate APR and fees
- ✦Rental-car coverage is secondary in the U.S. and primary where covered abroad, with country, vehicle and duration limits
Why it earns its spot
- +Multiple 3x categories without an annual fee
- +No foreign transaction fee
- +Cash redemption and direct transfer options on the same card
Where it costs you
- −Most spending outside the bonus categories earns 1x, including ordinary supermarket purchases
- −Merchant coding and third-party billing can prevent 3x earning
- −Balance transfers do not receive the advertised purchase-only 0% APR
The Compound Verdict
Autograph can work well when travel, restaurants, fuel, transit and eligible bills make up a meaningful share of your spending. It supports both cash redemption and partner transfers without an annual fee. A flat-rate card may earn more when most purchases fall outside those categories, and rewards are unlikely to justify carrying an interest-bearing balance. Choose a redemption for a specific trip or cash need before assigning extra value to transfer partners.
The current offer and cash value
The public offer checked October 23, 2026 is 20,000 points after $1,000 in net purchases post within three months of account opening. Wells Fargo advertises a $200 cash-redemption value, or 1 cent per point. The card has no annual fee or foreign transaction fee. Returns reduce qualifying spending, and transfers, cash equivalents, fees and interest do not count as eligible purchases. A product switch does not receive a new bonus or new introductory APR. Earlier 30,000-point offers in the history below are not the current public offer.
Current offer, fees and product-switch rulesWhich purchases earn 3x?
Eligible restaurants, travel, gas stations and EV charging, transit, popular streaming and phone plans earn 3x; other eligible purchases earn 1x. Travel includes qualifying direct airline and hotel bookings, so a Wells Fargo portal is not required for that category. Merchant coding matters. Grocery-store restaurants, warehouse-club fuel, third-party delivery, bundled streaming and third-party phone billing may miss the bonus rate. Buying a phone or accessories is not the same as paying an eligible phone plan. Ordinary supermarket purchases do not have a dedicated 3x category.
Category definitions and merchant exclusionsAutograph points can transfer without Journey
The no-annual-fee Autograph itself supports online transfers to participating travel programs; Autograph Journey is not a prerequisite. Issuer announcements include JetBlue TrueBlue at 1:1 in November 2025, Wyndham Rewards at 1:2 in April 2026 and Cathay Pacific Asia Miles at 1:1 later that month. These are documented examples, not a claim to list every current partner. Check your rewards account for the live ratio and confirm award availability before transferring. Transfers are final, and receiving more partner points does not automatically mean more cash value.
Wyndham transfer ratio and Autograph eligibility; other announcements belowApproval and welcome-offer eligibility are separate
Wells Fargo does not promise approval at a 670 score. Its terms describe reviewing credit, employment, income and other application information. Opening another Wells Fargo-branded consumer card in the past four months may affect eligibility for an additional card. Holding Autograph now or having opened it within the previous 48 months may also affect introductory APR, fee and welcome-offer eligibility, even if the earlier account is closed. A credit-card approval is not a guarantee that every promotional term applies.
Underwriting and recent-account eligibility rulesThe 0% APR applies to purchases, not balance transfers
The advertised 0% purchase APR lasts 12 months from opening. Current post-intro purchase APR tiers are 18.74%, 24.74% or 28.74% variable, depending on creditworthiness. Balance transfers start at those separate variable APR tiers; they do not inherit the purchase promotion. The introductory transfer fee is the greater of $5 or 3% for 120 days, then up to 5% with a $5 minimum. A lower transfer fee does not make the transferred balance interest-free. Compare total borrowing costs and keep making required payments.
Separate purchase and transfer APRs and feesPhone protection has a billing requirement
Pay the full monthly wireless bill with the card. Coverage starts on the first day of the calendar month after the payment posts and requires continued monthly bill payments. Covered phone lines must appear on the bill. The benefit is supplemental, with a $25 deductible, up to $600 per claim and no more than two paid claims or $1,200 per 12 months. Unexplained loss and cosmetic-only damage are excluded. Earning 3x on a landline plan does not make a landline device eligible for cellular-phone insurance. Check any carrier autopay discount before changing payment methods.
Cellular protection eligibility and limitsRental-car coverage is different in the U.S. and abroad
Pay the full eligible rental cost with the card and/or associated rewards and decline the rental company’s collision coverage. The guide provides secondary coverage in the U.S. and primary coverage where available abroad, up to $50,000. Rental limits are 15 consecutive days in the U.S. and 31 outside it. Israel, Jamaica, the Republic of Ireland and Northern Ireland are excluded. Vehicle and other exclusions also apply. This is rental-car damage/theft coverage, not liability or personal-injury insurance; travel-assistance referrals do not pay the resulting service bills.
Rental coverage and travel-assistance termsCompare your category mix with a flat-rate card
At the advertised cash value, $600 a month in eligible 3x categories plus $400 at 1x produces about 2,200 points, or $22 a month. That is $264 a year before any interest or fees, only $24 more than a hypothetical 2% card on the same $12,000 annual spending. If more of your spending falls into 1x categories, the flat-rate alternative can win. Partner transfers may change the comparison, but use the actual award price, taxes and cash fare rather than assuming every point is worth more than a cent.
Earning rates and cash value; illustrative spending comparisonReview details and sources updated 2026-10-23
This scoped update covers fees, benefit rules and application guidance. The offer record retains its separate verification date.
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