Autograph Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The Autograph earns 3.0X on dining, 3.0X on travel, 3.0X on gas, 3.0X on transit, 3.0X on streaming, 3.0X on phone, 1.0X on all_purchases with a $0 annual fee. The current signup bonus is 20,000 points (worth $200 at portal rates) after $1,000 spend.
3.5/5
Overall
4.6/5
Rewards
3.0/5
Benefits
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Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| dining | 3X pts/$ | 3.00¢ | Varies |
| travel | 3X pts/$ | 3.00¢ | Varies |
| gas | 3X pts/$ | 3.00¢ | Varies |
| transit | 3X pts/$ | 3.00¢ | Varies |
| streaming | 3X pts/$ | 3.00¢ | Varies |
| phone | 3X pts/$ | 3.00¢ | Varies |
| all_purchases | 1X pts/$ | 1.00¢ | Varies |
| Everything Else | 1X pts/$ | 1.00¢ | All |
Check MCCMCC Lookup Tool
Signup Bonus Value
20,000 points WELLS_FARGO Points
Spend $1,000 in first 3 months
Cash / statement credit$200
Portal redemption (1.00¢/pt)$200
Maximum value$200
Benefits
Purchase Security
$1,000
Extended Warranty Protection
Included
Cell Phone Protection
$600
Financial disclaimer: CardStack is not a financial advisor. Credit card terms, APRs, and fees are set by WELLS_FARGO and subject to change. Verify all information on the issuer's website before applying.
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Strengths and Weaknesses
Strengths
- Signup bonus worth up to $250
- 3X top earn rate on bonus categories
- No foreign transaction fees
- No annual fee
Weaknesses
- 1X base rate on non-bonus spending
Who This Card Is For
Foodies & Diners
Bonus earning on restaurants and delivery
International Travelers
No foreign transaction fees
Fee-Conscious Spenders
No annual fee to offset
Frequent Travelers
Bonus earning on travel purchases
Frequently Asked Questions
What credit score is needed for the Autograph?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
What is the current signup bonus for the Autograph?
The current signup bonus is 20,000 points. Check the issuer's website for the latest offer details and spending requirements.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on February 16, 2026. Full methodology: cardstack.co/methodology.