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Wells Fargo Autograph Card Review

The Wells Fargo Autograph Card is a powerhouse of unlimited rewards, travel perks, and premium security features—all with no annual fee. 

Wells Fargo Autograph
Source: Wells Fargo Autograph

The Wells Fargo Autograph Card is designed to elevate your everyday experiences by offering exceptional rewards across a variety of popular spending categories. With no annual fee and a generous introductory bonus, this card empowers you to earn points effortlessly as you dine, travel, commute, and stay connected.

Imagine earning unlimited 3X points on purchases at restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, with a 0% introductory APR on purchases for the first 12 months, followed by a variable APR, the Wells Fargo Autograph Card offers both value and flexibility to suit your lifestyle.

Key Benefits of the Wells Fargo Autograph Card

  1. Unlimited 3X Points on Restaurants: Savor the taste of rewards every time you dine out, order takeout, or enjoy food delivery. With unlimited 3X points on all restaurant purchases, your culinary adventures become even more rewarding.
  2. Unlimited 3X Points on Travel: Whether you’re booking flights, hotels, car rentals, or cruises, earn unlimited 3X points on all your travel expenditures. Turn your journeys into rewarding experiences with every mile you travel.
  3. Unlimited 3X Points on Gas Stations and EV Charging Stations: Fuel your drive with unlimited 3X points at gas stations and electric vehicle charging stations. Every trip to the pump or charging station accelerates your rewards.
  4. Unlimited 3X Points on Transit: Commute smarter by earning unlimited 3X points on transit expenses, including subways, ride-shares, parking, and tolls. Your daily travels now come with extra perks.
  5. Unlimited 3X Points on Popular Streaming Services: Enjoy your favorite shows and music while earning unlimited 3X points on popular streaming services. Entertainment has never been this rewarding.
  6. Unlimited 3X Points on Phone Plans: Stay connected and earn unlimited 3X points on your monthly phone bills, whether for cell phones or landlines. Your communication expenses now contribute to your rewards.
  7. 20,000 Bonus Points Introductory Offer: Kickstart your rewards journey with a generous bonus. Earn 20,000 bonus points when you spend $1,000 in purchases within the first 3 months—equivalent to a $200 cash redemption value.
  8. No Annual Fee: Enjoy all these incredible benefits without the burden of an annual fee. Maximize your rewards without any additional costs.
  9. Cellular Telephone Protection: Protect your cell phone against damage or theft with up to $600 in coverage when you pay your monthly phone bill with your Autograph Card. A $25 deductible applies.
  10. Auto Rental Collision Damage Waiver: Rent vehicles with confidence, knowing you’re covered for theft, damage, and valid loss-of-use charges when you decline the rental company’s collision insurance and pay with your Autograph Card.
  11. Travel and Emergency Assistance Services: Access 24/7 emergency assistance and referral services when traveling, ensuring help is just a call away in case of unforeseen events.
  12. Roadside Dispatch®: Drive with peace of mind, knowing you have access to a 24/7 on-demand referral dispatch network for emergency roadside assistance, towing, or locksmith services when needed.

Who Can Apply for the Wells Fargo Autograph Card?

Wells Fargo Autograph
Source: Wells Fargo Autograph

To apply for the Wells Fargo Autograph Card, applicants should meet the following criteria:

  • Age: Must be at least 18 years old.
  • Residency: Must have a physical U.S. address (no P.O. boxes).
  • Identification: Possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
  • Income: Demonstrate sufficient income to make the monthly minimum payments.
  • Credit Score: A good to excellent credit score is recommended, typically a FICO Score of 670 or higher.

How to Apply:

Applying for the Wells Fargo Autograph Card is straightforward:

  1. Visit the Official Website: Navigate to the Wells Fargo Autograph Card application page.
  2. Click ‘Apply Now’: Initiate the application process by selecting the ‘Apply Now’ button.
  3. Provide Personal Information: Enter your full name, date of birth, Social Security Number or ITIN, and contact details.
  4. Financial Details: Input your employment status, annual income, and housing expenses.
  5. Review Terms: Carefully read the terms and conditions associated with the card.
  6. Submit Application: After ensuring all information is accurate, submit your application for review.

Frequently Asked Questions:

  1. How can I redeem my rewards?
    You can redeem points for travel (flights, hotels, car rentals), statement credits, gift cards, merchandise or purchases through the Wells Fargo Rewards portal
  2. Does the Wells Fargo Autograph Card allow balance transfers?
    Yes! You can transfer balances from other cards, but a balance transfer fee applies (check current terms on the Wells Fargo website).
  3. Can I add an authorized user to my account?
    Yes! You can add authorized users, and their purchases will also earn rewards.
  4. How can I check if I pre-qualify for this card?
    You can check for pre-qualification on the Wells Fargo website, and it won’t impact your credit score.

A credit card expert, she utilizes her expertise to create informative content on credit cards, empowering others with financial knowledge.