Who can apply?
Wells Fargo does not publish a minimum score, but the Autograph is typically approved for good to excellent credit. To apply you will need to:
✔️ Be at least 18 years old
✔️ Have a Social Security Number or an ITIN and a U.S. address
✔️ Have a good to excellent credit history (roughly FICO 670 or higher)
✔️ Report income that supports a new credit line
✔️ Not have opened another Wells Fargo consumer card recently, since the bank limits new accounts and bonuses per customer
What are the rates and fees?
According to the catalog and the official page (September 2026):
✔️ Annual fee: $0
✔️ Purchase APR: 0% intro for 12 months from account opening, then 20.24%, 25.24% or 29.99% variable, based on creditworthiness
✔️ Balance transfers: no intro rate; the regular APR and a transfer fee apply (see current terms)
✔️ Foreign transaction fee: none
✔️ Rewards: 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans; 1X on everything else
Rates follow the prime rate. The exact APR you receive is set at approval and shown before you accept the card.
What documents and information do you need?
✔️ Full name, date of birth and Social Security Number or ITIN
✔️ Home address, phone number and email
✔️ Employment status and total annual income
✔️ Monthly housing payment
✔️ Wells Fargo online banking login if you are already a customer (it speeds up the form)
A piece of advice for you!
Move your recurring 3X bills to the card first: phone plan, streaming subscriptions and transit passes. They earn triple points every month without any change in behavior.
Plan the welcome bonus. The $1,000 spending requirement over three months is about $334 a month; regular spending usually covers it, so there is no need to buy anything extra.
If you use the 12-month 0% window for a purchase, divide the amount by 12 and set that as autopay. Whatever is left when the intro period ends is charged the regular rate.
Redeem points as a statement credit or, if you travel, compare the value of moving them to a transfer partner. Merchandise redemptions usually return less per point.
Apply now on Wells Fargo’s official website!
On the official page, review the current offer, fill in the application and submit. Decisions are often immediate and the card arrives by mail within about a week. Tap the button to go there.
Photo: Tyler_de_Noche · CC BY-SA 3.0 · Wikimedia Commons
