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Terms read from Wells Fargo's page on Oct 16, 2026.
Year 1, after fees
$840
Year 2+, after fees
$640
every year after
3 years, after fees
$2,119
Break-even
No fee
Earn rate by category
Points at 1.00¢ each (cash or statement credit); published range 1¢ to 1.75¢. Source: Wells Fargo Autograph card page.
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $401 | $201 | $803 | No fee |
| Couple ($2,555/mo) | $690 | $490 | $1,671 | No fee |
| Family ($3,350/mo) | $840 | $640 | $2,119 | No fee |
| Frequent traveller ($3,880/mo) | $1,131 | $931 | $2,994 | No fee |
| Big spender ($7,960/mo) | $1,842 | $1,642 | $5,125 | No fee |
Who it suits
- People who spend a lot on dining and gas, where it earns above its base rate.
- Spending abroad: no foreign transaction fee.
Who should skip it
- Nothing stands out on the presets; check it against your own spending.
Fees and rates
- Annual fee
- None
- Foreign transaction fee
- None
- Intro APR on purchases
- 12 months, then the purchase APR
Rewards
- 3x on restaurants, travel, gas, transit and popular streaming services
- 1x on everything else
Eligibility and availability
- Income
- None published
Published requirements only. We don't estimate approval odds.
Assumptions
- Point value: Wells Fargo Rewards points at 1.00 cents each: no redemption style chosen, so cash or statement credit. Source: Wells Fargo Autograph card page.
- Welcome bonus: 20,000 points after $1,000 in purchases in the first 3 months. Your spending meets it in month 1.
- Note: 3x on phone plans isn't modelled: the bills category also covers utilities.
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $640.
Chase IHG One Rewards PremierYear 2+ ~$1,243
Wells Fargo One Key CardYear 2+ $864
Chase Marriott Bonvoy BoundlessYear 2+ ~$809
Head to head
Frequently asked questions
Is the Wells Fargo Autograph worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth $840 in year 1 and $640 a year after that, after no annual fee.
What is the Wells Fargo Autograph welcome offer?
20,000 points after $1,000 in purchases in the first 3 months.
Does the Wells Fargo Autograph charge foreign transaction fees?
No. The issuer states no foreign transaction fee.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 59 other cards on the US card comparison or read how cards are valued.