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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Wells Fargo Autograph Card review: Quality perks with no annual fee
Ryan is a former TPG credit cards writer who has been around points and miles for several years and has published content at Miles to Memories, AwardWallet and The Points Guy. His wife joins him on many of his trips, and they enjoy snowboarding, diving, and seeing animals in the wild. When not traveling, Ryan is probably answering questions from his family about how he travels so much and whether this points & miles stuff is illegal.
Credit card writer Danyal Ahmed is an avid traveler, averaging about 100,000 aeronautical miles per year. He regularly applies that knowledge and his expertise in credit cards to his role as a credit card writer at TPG.
also contributed to this story
July 5, 2025 • 9 min read
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The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note:
Quick summary
A popular no-annual-fee card offers bonus points in common spending categories and access to travel and shopping protections.
Cardholders can redeem points at a fixed value for travel, statement credits, gift cards or through select merchants, with the option to transfer points to a limited set of airline and hotel partners.
Benefits include cellphone protection, auto rental coverage, roadside assistance and complimentary credit score access.
The card is positioned as a strong choice for those seeking flexibility and value without an annual fee.
What to consider
Eligibility may be restricted if you have opened another card from the same issuer within the past six months or have multiple recent new credit accounts.
Cellphone protection has a $25 deductible per claim and a limit of two claims per year, with lost or missing phones not covered.
Point values are fixed at 1 cent for most redemptions, but higher value may be achieved through select transfer partners, with points valued at 1.6 cents each as of July 2025 per TPG's valuations.
What you'll miss from the article
A detailed comparison of how this card stacks up against similar products and guidance on maximizing point value through transfer partners.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Editor’s note: This is a recurring post, regularly updated with new information and offers.
Wells Fargo Autograph Card overview
The (see rates and fees) offers bonus points in popular spending categories, straightforward redemptions at a flat rate and several valuable benefits that aren’t common on cards with no annual fee. Card rating*: ⭐⭐⭐½
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The Wells Fargo Autograph card is a popular option for those who want a credit card with no annual fee, travel and shopping protections and a quality earning structure. Additional eyes have been on the card ever since Wells Fargo launched transfer partners, allowing cardholders to get maximum value from their points.
The fact that the Autograph Card has no annual fee means there’s no cost for keeping it in your wallet, so you can enjoy benefits like cellphone protection and complimentary access to your credit score for no added cost, among other perks. We recommend a credit score of 670 or higher for this card.
Here’s a closer look at the Wells Fargo Autograph Card.
Wells Fargo Autograph pros and cons
Pros
Cons
Bonus points on various everyday purchases
Up to $600 in cellular telephone protection when you pay your monthly bill with the card ($25 deductible)
No annual fee
Fewer transfer partners than other issuers
Wells Fargo Autograph card welcome offer
Earn 20,000 bonus points after spending $1,000 or more in purchases in the first three months from account opening with the .
According to TPG's July 2025 valuation, Wells Fargo points are worth 1.6 cents per point, making this offer worth $320 when redeemed for travel.
THE POINTS GUY
It’s worth noting that most Wells Fargo credit card applications have the following terms:
You may not qualify for an additional Wells Fargo-branded credit card if you have opened a Wells Fargo-branded credit card in the last 6 months.
Before applying for a Wells Fargo card, make sure it’s been at least six months since the last time you opened a card with them. Keep in mind that Wells Fargo may consider other factors, like how many total credit accounts you’ve opened recently, when considering your application.
TPG credit cards editor Olivia Mittak was denied for a Wells Fargo card for having too many new accounts in the past 24 months, so keep that stat in mind as well when deciding when to apply.
Since it’s a Visa Signature card, you’ll enjoy two built-in benefits with the .
The Visa Signature Luxury Hotel Collection provides elitelike benefits on hotel bookings made through its program, including room upgrades on arrival (when available), a $25 food and beverage credit at the property, VIP guest status and complimentary breakfast for two each day.
The Visa Signature Concierge Service can help you with travel bookings, restaurant recommendations and reservations or booking tickets to an event.
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The Autograph Card also offers several protections on purchases made with your card. Benefits include a secondary auto rental collision damage waiver on rentals when you pay for the entire transaction with your card, 24/7 roadside dispatch, travel and emergency services assistance and free access to your FICO credit score.
You'll also receive up to $600 of cellphone protection against damage or theft when you pay your monthly bill with the Autograph Card. However, there is a $25 deductible per claim and a limit of two claims in a 12-month period. Note that this protection does not cover lost or missing cellphones.
While you won't get lounge access or statement credits with this card, this is a solid range of benefits for a no-annual-fee card.
Given that, according to TPG's July 2025 valuation, Wells Fargo points are worth 1.6 cents each, you’ll get a 4.8% return on your spending in these bonus categories.
It's rare to see phone plans as a bonus category on a personal card. Normally, that category pops up on business cards.
Redeeming points with the Wells Fargo Autograph card
You have several options for redeeming your points at wellsfargo.com/rewards. You can redeem them at a value of 1 cent apiece as a statement credit, for gift cards (in $25 increments), or to book travel, such as flights, rental cars or hotel stays.
You can also redeem points as a credit to a qualifying Wells Fargo credit card, checking account or mortgage. Plus, you can pay with points at participating merchants, including PayPal.
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There are positives and negatives to these redemption options.
On the plus side, you never have to guess what your points will be worth when you use them. Using these redemption options means you’ll always get a value of 1 cent per point.
On the negative side, these aren't the best redemption options, since you can get more value from your points by taking advantage of Wells Fargo’s transfer partners.
While this list isn’t nearly as long as other credit issuers’, it’s still a good selection. Wells Fargo will likely add additional partners in the future, so keep a close eye on this list.
Which cards compete with the Wells Fargo Autograph card?
When considering cards that compete with the , two types immediately come to mind: cards that earn transferable rewards and credit cards with similar earning structures.
If you want Wells Fargo rewards with a simpler earning structure: The (see rates and fees) earns an unlimited 2% cash rewards on purchases, so there are no bonus categories to keep track of. You’ll still enjoy up to $600 of cellular telephone protection against damage or theft (subject to a $25 deductible). It, too, has no annual fee. To learn more, read our full review of the Wells Fargo Active Cash.
If you like Chase: The (see rates and fees) is an excellent mid-tier travel card. It offers a complimentary DashPass subscription (activate by Dec. 31, 2027) and a $100 credit for hotel stays booked through Chase Travel℠. It has a $95 annual fee, and provides access to Chase’s 14 transfer partners. To learn more, read our full review of the Chase Sapphire Preferred.
For additional options, check out our full list of the best travel cards.
The is best for those who want a no-annual-fee card with good benefits like cellphone protection and credit score access. This card grants access to a quality selection of transfer partners, making it a great fit for travel beginners and enthusiasts alike.
Bottom line
We rarely see a card without an annual fee that offers multiple protections and strong earning categories.
Those looking for a card with no annual fee and access to transfer partners may enjoy the . If you’re looking for a card that offers more transfer partners, however, going with another issuer, like Chase or Capital One, makes more sense.
