Autograph®: 3x Points on Travel, Dining, Gas, and Everyday Categories

Earn unlimited 3x points on travel, dining, gas/EV charging stations, transit, streaming services, and phone plans, plus no annual fee and no foreign transaction fees.

Olena
By Olena | Mar 27, 2026 at 7:11 PM EST

The Bottom Line

4.3
BIG4CREDIT RANKING Our 5-star rating is based on Big4credit’s independent, data-driven scoring system. Each card is evaluated across multiple weighted categories – including rewards, fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections. Ratings are determined solely by our research and analysis and are never influenced by card issuers or advertisers. Read about our ranking system in the Credit Card Ranking & Methodology section.
Autograph® is a great no-annual-fee card if you want strong rewards across everyday and travel-related categories. It earns 3x points on dining, travel, gas/EV charging stations, transit, streaming, and phone plans, making it easy to get good value without juggling multiple cards. The card is simple to use with no rotating categories or caps to worry about. It’s less appealing if you prefer a flat 2% cashback card or don’t spend much in its bonus categories. If your spending fits these areas, it’s one of the best no-fee all-around rewards cards.
Autograph®
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Autograph®
Annual fee:   $0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

18.49% - 28.49% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3x points per $1 spent on restaurants, travel, gas, transit, popular streaming services, and phone plans, plus 1x on all other purchases.

1x - 3x Points

Welcome Offer Earn 20,000 bonus points after spending $1,000 in the first 3 months. That's worth $200 cash redemption value.

20,000 Points

Welcome Offer

Earn 20,000 bonus points after spending $1,000 in the first 3 months. That’s worth $200 cash redemption value.

Rewards

  • 3x Points: 
    • Restaurants
    • Gas/EV Charging Stations
    • Travel
    • Select Streaming Services
    • Phone Plans
    • Transit
  • 1x Points on all other purchases.

Redemption Options

  • Flexible Redemption: Redeem rewards as a statement credit, or use it for gift cards, PayPal checkout, or eligible purchases.
  • Point Transfer: Transfer your points to top airline and hotel loyalty programs.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 18.49% - 28.49% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days.
  • Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: None.

Travel Benefits

Visa Signature® Luxury Hotel Collection: Access to participating hotels offering benefits such as room upgrades when available, daily breakfast for two, and select on-property credits when booking through the Visa Luxury Hotel Collection portal (terms apply).

Travel Protections

Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary and provides reimbursement up to $50,000.

Travel & Emergency Assistance

  • Travel & Emergency Assistance: Access to emergency referral and coordination services while traveling (service referrals only; costs not covered).
  • Roadside Assistance: Dispatch service available; service fees apply.
  • Emergency Card & Cash Assistance: 24/7 emergency card replacement and cash advance services (fees and interest may apply).

Purchase Protections

Cell Phone Protection: Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible card. Coverage is subject to a $25 deductible.

Lifestyle Perks

Visa Signature Concierge: 24/7 concierge assistance for travel planning, dining reservations, event tickets, and other services (availability and outcomes not guaranteed).

Nice Extras

Autograph Card Exclusives: Access special event tickets and experiences, including concerts and live entertainment, with your Wells Fargo Autograph card.

Shopping & Savings

My Wells Fargo Deals: Access personalized offers from popular merchants and earn cashback as a statement credit when you activate a deal and use your eligible Wells Fargo credit card.

Additional Features

Credit Close-Up®: A free tool that helps you monitor your credit score and receive credit alerts.

Terms and Conditions

Click Apply Now to see the terms and conditions.

EarnSmart Rewards Strategy

  • Discover it® (Rotating 5% categories): Earn 5% cashback on rotating quarterly bonus categories (activation required), adding opportunities to maximize rewards on categories that complement Autograph’s everyday bonus categories.
  • U.S. Bank Cash+® Visa Signature® (Custom 5% categories): Earn 5% cashback in two categories of your choice, making it an excellent companion for recurring expenses such as utilities, internet service, or streaming subscriptions.
  • Chase Freedom Flex® (More 5% bonus opportunities): Earn 5% cashback on rotating quarterly bonus categories (activation required), giving you a second rotating bonus calendar and even more opportunities to maximize cashback throughout the year.

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