Travel

Wells Fargo Autograph

Every rate below is the issuer’s own, verified August 26, 2026.

$0Annual fee

$200Welcome bonus, conservatively

1xOn everything else

Terms apply. See rates & fees on Wells Fargo. Rankings are pure math, never sold.

The rates

How it earns

Every rate here is the issuer’s published number. Points are valued conservatively, in cash-equivalent dollars.

Earn rates Wells Fargo Autograph

Dining3x

Travel3x

Gas3x

Everything else1x

Welcome bonus · 20,000 points ≈ $200 after $1,000 spend in 3 months$200

Annual fee$0

Know before you apply

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 end18.49%, 24.49% or 28.49% 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 August 26, 2026. An automatic check re-reads that page every day. On September 4, 2026 all 7 of the figures it watches here were still printed there.

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