Wells Fargo Autograph
Every rate below is the issuer’s own, verified October 2, 2026.
Terms apply. See rates & fees on Wells Fargo. Rankings are pure math, never sold.
How it earns
Every rate here is the issuer’s published number. Points are valued at what this door can redeem them for: cash-back at the statement-credit rate, travel at the issuer’s travel rate.
What it pays at a typical spend
Our travelling sample family spends $800 a month on groceries, $200 on dining, $250 on gas, $500 on travel and $600 on everything else. Figures as of October 2, 2026, the day the terms were last verified.
At that spending the Wells Fargo Autograph nets $710 in year one and $510 every year after, fee included. The biggest line is travel, at $180. The welcome bonus counts, because this spending reaches $1,000 inside 3 months. Points are counted at 1 cent each, the travel rate, never the higher figure a transfer partner might reach. For our travelling sample family, it places fourth of the 5 travel cards we’ve confirmed.
The Citi Strata Premier, just above it among the confirmed cards, nets $497 more in year one. The Capital One VentureOne, just below it, nets $157 less. Judged on every year after the first instead, it places third of the 5 travel cards we’ve confirmed.
Who it fits
It fits if
- You spend a lot on dining, travel and gas: it earns 3x there.
- You want no annual fee.
Look elsewhere if
- Most of your spending sits outside its categories: the rest earns 1x.
- You cannot put about $334 a month on it for 3 months: the $200 bonus pays nothing below $1,000.
- Your credit is fair or thin: approval usually needs good credit.
Plain facts
- Who gets approvedGood credit, around 670+. No bonus if you hold, or have opened, an Autograph card in the last 48 months. Typically ~good credit or better (estimate; issuer does not publish a score).
- The 0% is on purchases only12 months from account opening, on purchases. Balance transfers get no intro rate at all — they carry the go-to APR from day one.
- Three more 3x categories we cannot countTransit, popular streaming services and phone plans also earn 3x. The questions have no line for them, so the number above is a floor.
- The rate when the 12 months end18.74%, 24.74% or 28.74% variable, set by your credit. Balance transfers pay that rate from day one.
- Points do not expireYour points stay yours as long as the account is open.
- The issuer’s terms governRates, fees and bonus conditions are set by Wells Fargo and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Wells Fargo’s own published terms, last verified October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 7 of the figures it watches here were still printed there. How we check
What people ask about it
Is there a cap on what it earns?
No. Its rates apply to all of your spending, with no yearly cap.
How do you value the welcome bonus?
20,000 points at 1 cent each as cash is $200, and at 1 cent through travel, $200. We count it only once your spending reaches $1,000 in 3 months.
What does it earn on each purchase?
3x on dining, 3x on travel and 3x on gas, and 1x on everything else.
Where it shows up
Every ranking and comparison with the Wells Fargo Autograph in it, each computed the same way.
- Best card for travelCapital One Venture X first, at $1,319 in year one.
More cards like this
- Yearly fee $95Capital One VentureCapital One · for one card on everything, 2x, and 5x on hotels, vacation rentals and rental cars booked through Capital One Travel
- Yearly fee $95Citi Strata PremierCiti · for travel, dining, groceries and gas, 3x
- Yearly fee $0Capital One VentureOneCapital One · for one card on everything, 1.25x, and 5x on hotels and rental cars booked through Capital One Travel
The three travel cards beside this one on our list of every card. See every card