Wells Fargo Autograph Review: Big Rewards, No Annual Fee – If you’re ready to dip your toe into the world of travel credit cards but aren’t ready to pay the hefty annual fees, the Wells Fargo Autograph is right up your alley.
The benefits of the Wells Fargo Autograph card run the gamut when it comes to earning categories, making this a great card for your travel purchases. Earn 3x points for restaurants, travel, transfers, popular streaming services, phone plans, and even gas stations.
Wells Fargo Autograph Review: Big Rewards, No Annual Fee
My Wells Fargo Deals is a special program that offers bonus points at select stores for a limited time. To get the bonus, you need to activate the offer for each store, and the selection changes every month, giving you the opportunity to earn even more.
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It’s nearly impossible to find a solid travel credit card with a $0 annual fee these days, which makes Autograph stand out from its competitors, especially when you factor in the all the benefits of it.
Right now, Wells Fargo is offering new cardholders 20,000 bonus points when they spend $1,000 in purchases within the first three months of opening. That’s the equivalent of a $200 bonus just for buying the items you already needed!
If you need to make a large purchase that will take time to pay off, this card is for you. New cardholders get 0% APR for the first twelve months, making it easy to get what you need without charging interest.
Do you need payment in Yen instead of Dollars? No problem! The Autograph has no foreign transaction fees, saving you the money and headache of keeping up with conversion rates.
Wells Fargo Autograph Benefits Guide
Autograph cardholders get up to $50,000 in coverage for rental cars that are damaged in an accident or stolen. To activate this benefit, you must charge the full cost of the rental on your Autograph card and provide a cover letter with the rental agency (only if required by the agency).
Roadside drop-off services are available for a fee to Autograph customers who need anything from a tow to a jump-start. Most travel-related cards have gotten rid of similar perks, so it’s nice to see such a “good when you need it” service still available on strong cards like this.
Because it is a Visa, the benefits of the Wells Fargo Autograph Visa card come with the benefits of the Visa Signature program. Not only do you get access to their Luxury Hotel Collection, but complimentary, 24/7 access to the Concierge is perfect for those times you need last minute tickets or eat accommodation or if you need help planning that perfect route.
The Autograph card also comes with a protection plan that covers your cell phone if it’s lost, stolen or damaged at a rate of $600 per phone, up to 2 times a year, and with a deductible of $ 25. To activate the coverage, you must pay your monthly data plan
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Earn the intro bonus fast: Spending $1,000 within the first three months is an easy way to get those 20k bonus points, so save your claim for when you need it make a big purchase.
Pay for your cell phone plan with: Adding your monthly cell phone data plan to this card gets you an automatic cell phone insurance plan that pays you up to $600 if your phone is lost, damaged or stolen.
Keep it in your wallet for dining and travel: The Wells Fargo Autograph card is one of the few credit cards that has bonus categories for dining, streaming and travel, making it great for both everyday spending and keeping you on your next trip you have
Does the lounge have access to the Wells Fargo Autograph card? No. The lounge is usually only accessible to cards that come with a hefty annual fee. However, if you want to get a day pass to an airport lounge, you get 3x back if you charge the Autograph! How much are Wells Fargo Autograph points worth? Wells Fargo Autograph points are in an interesting category that makes it difficult to gauge their earning potential. The Autograph earns Wells Fargo Rewards points that cannot be combined with other major travel cards, making the value significantly lower than Chase’s Ultimate Rewards points or American Express Membership Rewards. Current rewards for Wells Fargo Rewards are around 1 percent for travel redemptions but are not transferable to travel partners such as airlines or hotels. It’s also worth noting that some redemption options come with minimum amounts you must have accumulated before you can redeem the points. Paper check redemptions start at $25 (2, 500 points), and Wells Fargo ATM withdrawals start at $20 (2,000 points). Is it difficult to get approved for a Wells Fargo Autograph card? If you want to get a Wells Fargo Autograph card you may need a credit score of 670 or higher to get approved. While this is lower than many premium travel cards, it still requires you to have a responsible credit history and low credit utilization.
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Credit card writer Danyal Ahmed is an avid traveler, averaging about 100,000 flight miles a year. He regularly applies that knowledge and his knowledge of credit cards to his role as a credit card writer at TPG.
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The Wells Fargo Autograph℠ Card offers 3 points per dollar in popular spending categories, direct points redemption at an interest rate and several value-added benefits not common on cards with no annual fee (see rates and fees). Card rating*: ⭐⭐⭐
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* Card rating is based on the opinion of TPG editors and is not influenced by the card issuer.
The Wells Fargo Autograph card launched in 2022, and quickly became a popular choice for those looking for a credit card with no annual fee, travel and purchase protection, and a quality earning structure.
It also works well for those looking to round out their points and miles strategy with a card offering a fixed rate redemption. Not everything in life can be paid for with transferable points. A fixed-rate card can help you “pay with points” for other life expenses.
The fact that the Autograph Card has no annual fee means there’s no cost to keep it in your wallet, enjoying benefits like cell phone protection and free access to your credit score, among other benefits.
Wells Fargo Now Offering
The Wells Fargo Autograph Card recently launched a high welcome bonus. You can now earn 30,000 bonus points when you spend $1,500 or more on purchases in the first three months of account opening. You can redeem points with Wells Fargo Rewards at a value of 1 cent each, making this bonus worth $300.
You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the past 6 months. We may also limit the total number of Wells Fargo credit card accounts you have.
Therefore, Wells Fargo will consider whether you have opened other cards in the past six months and how many credit cards you have with this bank before deciding whether to accept your application. or send out the welcome bonus.
The previous welcome bonus on the Autograph card was 20,000 points, so earning 30,000 bonus points is a great deal.
Wells Fargo Bank
The Visa Signature Luxury Hotel Collection provides elite benefits on hotel bookings made through its program, including room upgrades upon arrival (when available ), a $25 food and beverage credit at the property, VIP guest status and complimentary breakfast for two daily.
The Signature Visa Concierge Service can help you book travel, restaurant recommendations and reservations or book tickets to an event.
The Autograph Card also offers several protections on purchases made with your card. Benefits include secondary car rental collision damage waiver when you pay for the entire transaction with your card, 24/7 roadside assistance, travel assistance and emergency services , and free access to your FICO credit score.
You’ll also get up to $600 worth of cell phone protection against damage or theft when you pay your monthly bill with the Autograph Card. However, there is a $25 deductible per claim and a limit of two claims in a 12 month period.
Wells Fargo Autograph℠ Card Review 2023
Finally, as a Wells Fargo cardholder, you’ll have access to it