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.
Our Verdict
The Autograph is a points rewards card from Wells Fargo that carries a no annual fee on the visa network. At its core it earns 1.0X Rewards Points on everyday purchases, making it straightforward for cardholders who want predictable, consistent returns.
Points enthusiasts will find the most flexibility with the Autograph. Rewards Points can be redeemed for travel, gift cards, statement credits, or transferred to loyalty partners. Cardholders who maximize transfer partners often extract 1.5–2+ cents per point, well above face value.
Combined with the current signup offer of 20,000 points (worth ~$200), With no annual fee, there is virtually no downside to keeping this card long-term even as a backup. It adds to your credit history and earns rewards at zero ongoing cost.
Apply for the Autograph →Rewards Structure
Fee Analysis
The Autograph has no annual fee, making it an excellent choice for anyone who wants rewards without a yearly cost. There is no break-even spending threshold to worry about — every dollar of rewards is pure value.
Where This Card Earns Bonus Rewards
| Category | MCC Code | Bonus Rate | Example Merchants |
|---|---|---|---|
| Gas | 5541 Service Stations ( with or without ancillary services) | 3x | 7-Eleven, 7-Eleven - Albuquerque, 7-Eleven - Anaheim, 7-Eleven - Anchorage |
| Gas | 5542 Automated Fuel Dispensers | 3x | BJ's Gas, BJ's Gas Station, Costco Gas, Costco Gas Station |
| Restaurants | 5812 Eating places and Restaurants | 3x | Acapulco Restaurant, Another Broken Egg, Applebee's, Applebee's - Albuquerque |
| Restaurants | 5813 Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques | 3x | AMF Bowling Centers, Angry Orchard, Applebee's Bar, Bar Louie |
| Restaurants | 5814 Fast Food Restaurants | 3x | Arby's, Arby's - Albuquerque, Arby's - Anaheim, Arby's - Anchorage |
| Rideshare | 4121 Taxicabs and Limousines | 3x | Alto, Arro, Bolt, Cabify |
Click any MCC code or merchant name to see all cards that earn bonus rewards there.
Signup Bonus Value
Benefits
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
- High variable APR up to 29.24%
How to Apply
You can apply for the Autograph directly through Wells Fargo's website. The application takes about 5 minutes and requires your Social Security number, annual income, and housing payment information. Most applicants receive an instant decision.
Before applying, check if you are pre-approved on Wells Fargo's website — a pre-approval uses a soft pull and does not affect your credit score.