Wells Fargo Autograph
Visa travel card with no annual fee. Earns 3x on restaurants, travel, gas, transit and popular streaming services, 1x on everything else.
Terms read from Wells Fargo's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- None
- Foreign transaction fee
- None
- Intro APR on purchases
- 12 months
Rewards
- 3x on restaurants, travel, gas, transit and popular streaming services
- 1x on everything else
Earns Wells Fargo Rewards, valued at 1 cents as cash, 1 through the issuer's travel booking and 1.75 with transfer partners.
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | $401 | $201 | $803 | Month 1 |
| Family | $840 | $640 | $2,119 | Month 1 |
| Frequent traveller | $1,131 | $931 | $2,994 | Month 1 |
Frequently asked questions
Is the Wells Fargo Autograph worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $840 in year 1 and $640 a year after that, after no annual fee. It pays for its fee by month 1.
What is the Wells Fargo Autograph welcome bonus?
20,000 points after $1,000 in purchases in the first 3 months.
Does the Wells Fargo Autograph charge foreign transaction fees?
No. It charges no foreign transaction fee.
What isn't counted in its value?
3x on phone plans isn't modelled: the bills category also covers utilities.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.