The
Wells Fargo Autograph℠ Card is a good travel credit card for people with good credit who want solid rewards and luxury hotel benefits without paying an annual fee. The card offers an initial bonus worth $200 and
1 - 3 points per $1 spent on purchases. It also has a
$0 foreign transaction fee and a valuable introductory APR for new purchases:
0% for 12 months from account opening.
This offer does have some flaws, though. Like most rewards cards, it has a fairly high regular APR, which would make carrying a balance quite expensive after the 0% introductory promotion expires. It’s not a good option for balance transfers, either.
Below, you can find more details that should help you decide whether to apply for the
Wells Fargo Autograph Card.
Wells Fargo Autograph℠ Card Review Highlights
20,000-point initial bonus
New cardholders who make
$1,000 in purchases within
3 months of opening an account will receive
20,000 points as a welcome bonus. The points, worth $200 when redeemed for cash back, are credited to your account 1 – 2 billing cycles after you meet the initial spending requirement.
3 points / $1 spent in bonus categories
The
Wells Fargo Autograph Card rewards you with
3 points / $1 spent on purchases from places like restaurants and gas stations, as well as on travel and transit expenses, popular streaming services, and phone plans.
1 points / $1 spent on all other purchases
This is the standard minimum earning rate for rewards cards.
$0 annual fee
Not having to pay an annual fee saves you roughly
$22.29 per year compared to the average credit card offer. It also means using the
Wells Fargo Autograph Card doesn’t have to cost you a thing if you pay the bill in full every month the regular APR is in effect.
0% for 12 months from account opening on purchases (intro rate)
The average credit card offer with a low introductory APR gives that rate for
11 months. So, this aspect of the
Wells Fargo Autograph Card offer isn’t quite elite, but it’s better than no intro rate at all.
Visa Signature Luxury Hotel Collection
Cardholders enjoy benefits such as automatic room upgrades when available, complimentary in-room Wi-Fi, VIP guest status and more. These perks are available at properties that belong to the
Visa Signature Luxury Hotel Collection.
$600 in cell phone protection
If you pay your monthly cell phone bill with the
Wells Fargo Autograph Card and your phone breaks or gets stolen, you can file a claim and get reimbursed for having your phone repaired or replaced. Coverage is limited to $600 (subject to a $25 deductible), and you can file up to 2 claims every 12 months.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.