The Wells Fargo Autograph is a $0 annual fee Visa that casts a wide net with its bonus categories. Restaurants, travel, gas stations, transit, popular streaming services and phone plans all earn unlimited 3X points, and Wells Fargo offers 20,000 bonus points after $1,000 in the first 3 months.
Why we recommend the Wells Fargo Autograph card
The categories stay fixed all year, so nothing needs activating. Everything else earns 1X, and points do not expire while the account stays open. The welcome bonus is worth about $200 at the cash-value rate.
According to the official page, purchases abroad carry no foreign transaction fee, and points can move to participating airline and hotel transfer partners, which can raise their value for travelers. Purchases also get a 0% intro APR for 12 months.
Author’s opinion
If you eat out, commute, fill up and stream, this is one of the easiest no-fee points cards to recommend. In the original example, typical monthly spending in the 3X categories plus $800 elsewhere adds up to 38,400 points, roughly $384 in value, before the bonus.
Know what it lacks: no bonus on groceries and no intro rate on balance transfers. After 12 months the APR becomes 20.24%, 25.24% or 29.99%, and Wells Fargo generally approves it for good to excellent credit. Use the intro window to spread a planned purchase, not to carry debt.
I want to learn more about the Wells Fargo Autograph card!
Eligibility, the full fee schedule, what Wells Fargo asks for and the link to its official website are on the next page. Tap the button below.
Photo: Tyler_de_Noche · CC BY-SA 3.0 · Wikimedia Commons
