Wells Fargo
Wells Fargo Autograph® Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% intro APR for 12 months from account opening on purchases. |
| Regular APR | 18.49%, 24.49% or 28.49% variable APR thereafter. |
| Network | Visa |
About this card
The Wells Fargo Autograph Card earns an overall rating of 3.8 out of 5.0. This assessment considers its strengths in rewards and fees, balanced against a moderate APR and the mixed reputation of its issuer, Wells Fargo. The card's strong rewards program, offering 3x points on a wide range of popular spending categories, is a significant advantage. The absence of an annual fee and foreign transaction fees further enhances its value proposition. However, the relatively high APR and the potential for customer service issues due to Wells Fargo's reputation prevent a higher rating. The card is well-suited for consumers with good to excellent credit who can take advantage of the rewards program without carrying a balance, making it a good choice overall.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
Things to consider
- High regular APR
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value
Rewards
- Earn unlimited 3X points for many ways you keep life in motion
- Plus, earn 1X points on other purchases
Other features
- Pay with Rewards Check out with PayPal, and use your points for all or part of your eligible purchases.
- Redeem for Purchases Redeem your points toward the cost of a past, eligible purchase.
- Gift Cards Redeem points for gift cards from over 250 merchants, including e-Gift cards as low as $10.
- Redeem to Account Redeem points as a credit to your account, including eligible Wells Fargo credit card or checking accounts.
- Rewards Points Transfer Transfer your points directly to select travel loyalty programs, in any amount.
- Cellular Telephone Protection Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Auto Rental Collision Damage Waiver Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
- Travel and Emergency Assistance Services Available for covered Wells Fargo cardholders. Count on emergency assistance while traveling anywhere in the world. To learn more, call 1-800-992-6029. If you are outside the U.S., you can call collect: 1-804-673-1675.
- Roadside Dispatch® Available whenever you're in need of a tow - for eligible Wells Fargo cardholders 24/7 with no membership required. To learn more call 1-800-847-2869.
- Emergency Cash Disbursement and Card Replacement Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days after issuer approval. Any cash advance fees and interest charges that are associated with your credit card account would apply.
- My Wells Fargo Deals Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
- Zero Liability Protection Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly.
- Credit Close-Up® With Credit Close-Up® you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO® Score updates and personalized credit insights. It’s complimentary to Wells Fargo Online® customers and using it won’t negatively affect your score.
- Autograph Card Exclusives Get access to tickets to live events featuring fan-favorite artists that put you closer to the artists than you've ever been with your Wells Fargo Autograph-branded Credit Card. Visit Autograph Card Exclusives to learn more.
- No Foreign Transaction Fee Using your card abroad is like using it at home. We won’t charge a fee for converting your purchases to U.S dollars. Please refer to the Important Credit Terms for the most current rate and fee information.
- Exceptional Visa Signature® privileges Enjoy these additional card benefits with your Wells Fargo Autograph Card
- Visa Signature® Concierge Services Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Visa Signature® Luxury Hotel Collection Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties. Learn more about the Visa Signature Hotel Collection at VisaSignatureHotels.com
Additional Notes
Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply now to take advantage of this offer. This offer is not a guarantee of credit. Credit card is subject to credit qualification. You may not qualify for an additional Wells Fargo-branded consumer credit card if you have opened a Wells Fargo-branded consumer credit card in the last 6 months. You may not be eligible for introductory annual percentage rates, fees and/or rewards bonus offers if you have the card product you are applying for or opened one within the last 48 months from the date of the application – even if that account is closed and has a $0 balance.