The Wells Fargo Autograph Card is a standout option for those seeking robust rewards on everyday spending—without the burden of an annual fee. You’ll earn 3X points in popular categories like dining, travel, gas stations, and more.
New cardholders can also enjoy a welcome bonus of 20,000 points after spending $1,000 within the first three months—equivalent to $200 in rewards. It’s a great way to kickstart your earnings.
Another advantage is the absence of foreign transaction fees, making it an ideal companion for international travelers. Plus, the card offers a 0% introductory APR on purchases for the first 12 months, providing added flexibility for larger expenses.
If you’re looking for a no-annual-fee card that offers accelerated rewards, travel-friendly benefits, and a strong welcome offer, the Wells Fargo Autograph Card is well worth considering. Keep reading to see if it aligns with your financial needs and goals.
Wells Fargo Autograph
0% introductory APR 3X points on key spending categoriesHow Does the Wells Fargo Autograph Work?
The Wells Fargo Autograph works by rewarding you with points every time you use the card. Instead of dealing with rotating bonus categories, you earn 3X points on specific everyday purchases, making it easy to accumulate rewards.
You get 3X points on dining, travel, gas stations, transit, popular streaming services, and phone plans. All other purchases earn 1X points per dollar spent, ensuring that you continue earning rewards no matter what you buy.
Once you earn points, you can redeem them in multiple ways. Whether you prefer to use them for travel, gift cards, or statement credits, the flexibility allows you to make the most of your rewards.
The best part? Your points never expire as long as your account remains open. This means you can save up for larger redemptions without worrying about losing your earned rewards.
Main Benefits of the Wells Fargo Autograph
One of its biggest advantages is the 3X points on key spending categories, including dining, travel, gas, transit, streaming, and phone plans. This makes it a great choice for people who frequently spend in these areas.
The 20,000-point welcome bonus is another highlight. By spending $1,000 in the first three months, you earn a reward equivalent to $200. This is an easy way to boost your points balance right away.
Additionally, the card has no foreign transaction fees. Whether you’re traveling internationally or shopping on foreign websites, you won’t have to pay extra charges on your purchases.
Lastly, the 0% introductory APR on purchases for the first 12 months provides a financial cushion for larger expenses. If you need time to pay off a purchase without interest, this feature can be especially helpful.
Cons of the Wells Fargo Autograph
While the Wells Fargo Autograph has many benefits, there are a few potential downsides to consider.
One of the biggest drawbacks is that the 3X rewards categories are limited. If your spending doesn’t align with these categories, you may not maximize your points earnings as much as other users.
Another issue is the APR after the introductory period. Once the 12-month 0% APR offer expires, the interest rate increases to a variable APR ranging from 19.24% to 29.24%, which can be costly for those who carry a balance.
Additionally, the card lacks premium travel benefits like airport lounge access or travel insurance, which some competing cards offer. If you’re looking for luxury travel perks, you may want to explore other options.
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APR and Fees
The Wells Fargo Autograph offers a 0% introductory APR on purchases for the first 12 months. This makes it a great choice if you plan to make a large purchase and need extra time to pay it off without interest.
After the introductory period, the APR varies from 19.24% to 29.24% based on your creditworthiness. If you carry a balance, this high interest rate can add up quickly.
On the positive side, there is no annual fee, so you can enjoy the card’s rewards without worrying about extra costs. There are also no foreign transaction fees, making it a great choice for international spending.
However, late payments and cash advances come with additional fees. A late payment can cost up to $40, while cash advances incur a fee of either 5% of the amount or $10, whichever is greater. It’s best to make payments on time and avoid cash advances.
How to Apply for the Wells Fargo Autograph
Applying for the Wells Fargo Autograph is quick and easy. You can complete the application online through the Wells Fargo website.
To apply, you’ll need to provide basic personal information such as your name, address, Social Security number, and income details. Wells Fargo will review your application and determine your eligibility based on your credit history and financial situation.
If approved, you’ll receive your card within 7 to 10 business days. Once activated, you can start using it immediately for purchases and earning rewards.
Before applying, it’s a good idea to check your credit score. The Wells Fargo Autograph typically requires a good to excellent credit score for approval. If you’re unsure about your credit standing, you can check your score using free credit.
Conclusion
The Wells Fargo Autograph is a great option for anyone looking for a rewards credit card without an annual fee. With 3X points on dining, travel, gas, transit, and streaming services, it’s an excellent choice for everyday spending and frequent travelers.
The card also offers a valuable welcome bonus of 20,000 points, no foreign transaction fees, and a 0% intro APR for the first 12 months. These features make it a strong contender among no-fee rewards cards.
However, if you don’t spend much in the bonus categories, the rewards potential may be limited. Additionally, the high APR after the intro period means it’s best for users who can pay off their balance in full each month.
Overall, the Wells Fargo Autograph is a solid card for those who want a simple, high-earning rewards structure with flexible redemption options. If you’re looking for a reliable, fee-free rewards card, this one is worth considering.
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