Wells Fargo
Wells Fargo Autograph Card
Annual Fee
$0
Sign-up Bonus
20,000 pts
Card data last reviewed 2026-10-20
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on flights (catalog median is 2x)
- 3x on hotels (catalog median is 1.5x)
- 3x on other travel (catalog median is 1.5x)
- No annual fee
- Non-bonus spending earns only 1x
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$558/yr
$558 rewards
#8 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$714/yr
$714 rewards
#5 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$924/yr
$924 rewards
#7 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
3x
Grocery
1x
Gas
3x
Flights
3x
Hotels
3x
Other Travel
3x
Online Shopping
1x
Rideshare
3x
Streaming
3x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
3x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.5 cents per point
The Fine Print That Changes the Math
3x on restaurants, travel, gas, transit, popular streaming services, and phone plans. 1x elsewhere. No annual fee. Cell phone protection.
Wells Fargo Autograph Card FAQ
What is the Wells Fargo Autograph Card annual fee?
The Wells Fargo Autograph Card has no annual fee.
What is the Wells Fargo Autograph Card signup bonus?
20,000 points for new cardholders meeting the minimum spend. Verified 2026-10-20. Check the issuer's site for the current offer.
What are the best spending categories for the Wells Fargo Autograph Card?
3x on flights, 3x on hotels, 3x on other travel. Everything else earns 1x.
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Sources & Verification
Card data last reviewed 2026-10-20.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.