Wells Fargo Autograph℠ Card: No Fee Credit Card, Big Rewards
With no annual charges, Wells Fargo Autograph℠ cardholders can still to earn triple points on a wide range of everyday purchases, including restaurants, travel, petrol stations, and streaming.
Put your autograph on an application for the Wells Fargo Autograph℠ Card if you’d want to earn valuable rewards on your travel credit card with no annual fees.
My honest review of the Well Fargo Autograph
The Wells Fargo Autograph℠ Card has a $0 annual fee, is largely advertised as a travel credit card due to its triple points on travel expenses. However, its other areas of additional rewards are also quite helpful for regular purchasing. A dollar spent at a restaurant or a petrol station, as well as on transportation, streaming services, and phone plans, earns 3 points.
Because of this, you should consider using this card as your main, or even front-of-wallet, credit card for on-the-go purchases like recurring phone and streaming bills. And unlike other rival cards that limits extra prizes, benefits are limitless. That matters a lot to large spenders.
There are no brand-specific benefits like free checked luggage that airline credit cards frequently provide, nor will you receive the transfer partners or upmarket benefits of high-annual-fee travel credit cards.
The Wells Fargo Autograph℠ Card stands out as a top choice among both cash-back and no-fee travel credit cards thanks to a sizable sign-up bonus and nice-to-have cell phone insurance, though.
What you should know about the Wells Fargo Autograph℠ Card
Card type: Travel credit card
Annual cost: $ 0
Sign up bonus: Earn 20,000 bonus points as a welcome incentive when you make $1,000 in purchases during the first three months. These points have a cash redemption value of $200.
Wells Fargo Autograph℠ Card Rewards: 3 points for every dollar spent on;
- Restaurants.
- Transit and travel.
- gasoline pumps (and electric vehicle charging stations).
- widely used streaming services.
- certain phone plans.
Well Fargo Redemption points: Each point is worth one cent. Cardholders can use PayPal to pay for online purchases while redeeming points for vacation, gift cards, or statement credits.
The Wells Fargo Autograph℠ Card has no foreign transaction fees.
Wells Fargo Autograph℠ Card APR offer: Purchases have a 12-month introductory APR of 0% before continuing with a variable APR of 19.24%, 24.24%, or 29.24%.
Wells Fargo Autograph℠ also offers a phone insurance (against theft or damage) of up to $600, less a $25 deductible (when you use the card to pay your monthly cell phone bill).
Highlight of the Wells Fargo Autograph℠ Card
- Zero Annual fees
Some of the finest reward cards include annual fees, particularly the ones with large introductory bonuses and significant recurring benefits. For the yearly price to be justified, you often need to earn enough in incentives. The Wells Fargo Autograph℠ Card does not have that problem. It’s uncommon to find a travel rewards card that provides this much continued value for no yearly fee (as long as you don’t accrue interest penalties, of course).
- Realistic reward categories
The Wells Fargo Autograph℠ card has profitable and widely attractive reward categories. Even when you are not traveling, you may earn 3 points for every dollar spent in a variety of purchasing areas. They consist of eateries, transportation, and petrol stations. Additionally, since the majority of people now pay for popular phone plans and streaming services, you might as well be compensated for it.
Airline, hotel/motel, timeshare, car/auto rental, cruise lines, travel agencies, cheap travel websites, campsites, passenger train, taxis, limousines, ferries, toll bridges and roads, parking lots and garages are all included in the broad concept of travel and transit. Electric car charging stations are included in the category of petrol stations. Caterers are particularly included in the restaurant category.
Retail promotions further enhance its appeal for ordinary buying. Cardholders have access to My Wells Fargo Deals, a network supported by merchants that gives cash back as a statement credit when you buy, eat, or take a trip. The transaction must first be activated.
- Travel-friendly
The Wells Fargo Autograph℠ card is recognized for not charging international transaction fees, which ought to be standard for all credit cards used for travel. Additionally, it is a Visa, which is accepted anywhere.
- Unlimited Rewards
There are no limits on the 3x rewards offered by the Wells Fargo Autograph℠ card. That makes it even more profitable for higher spenders who, with other cards, would be limited to earning only 1 point for every dollar spent once they reached the extra rewards ceiling.
For instance, the Chase Freedom Flex℠, which has a $0 annual fee, is a cash-back credit card that also doubles as a travel card. (It provides 5% cash back on trips purchased using Chase Ultimate Rewards®.) The card’s 5% rotating bonus categories are capped at $1,500 every quarter before decreasing to 1% cash back, despite the fact that it is generally outstanding.
Cons of the Wells Fargo Autograph℠ Card
- Few premium benefits
If you want a credit card with special travel bonuses and other advantages, you’ll generally have to pay for it. Although the Wells Fargo Autograph℠ Card doesn’t have an annual fee, it also doesn’t offer perks like access to airport lounges, reimbursement for TSA PreCheck or Global Entry applications, or the opportunity to transfer points to hotel or airline partners.
It might be argued that this lowers it from many travel credit cards that provide same benefits but also have an annual cost.
With the Delta SkyMiles® Gold American Express Card, for instance, you would receive free checked baggage and priority boarding on Delta flights. The annual cost is $0 for the first year and then $99 after that. Or, for a $95. annual charge, you may get a free night every year with a hotel card like the World of Hyatt Credit Card.
- No partners for airport or hotel transfers
The Chase Sapphire Preferred® Card is a solid option if your objective is to strategically use your travel points. The credit card accrues bonus points in a variety of categories, including dining and travel (And through March 2025, it earns 5x the points on Lyft.) Although there is a $95. yearly cost, there is also a sizable sign-up bonus: After making $4,000 in purchases during the first three months after account opening, earn 60,000 bonus points. When you redeem with Chase Ultimate Rewards®, you will receive $750 toward travel.
The unique selling feature of this card is that points are worth 25% more when used to book travel through the Chase Ultimate Rewards® website. As a result, if you have accumulated, let’s say, 10,000 points, you may exchange them for either $100 in cash back or $125 in vacation. You might be able to get even more value out of your rewards because the Chase Sapphire Preferred® Card allows you to transfer points to a variety of airline and hotel partners.
- Bonus categories to keep in mind
The Bank of America® Travel Rewards credit card is a good option if you want rewards from a travel card without annual fees but find the prospect of remembering bonus categories revolting. Cardholders receive 1.5 points for every dollar spent on all purchases indefinitely.
At the Bank of America® Travel Center, you may earn three points for every dollar spent, which is double the standard rate for the card. You may use rewards as credit toward any trip purchase. For those who meet the requirements for the bank’s Preferred Rewards program, incentives are available on earnings of at least 25%.
Is the Wells Fargo Autograph℠ Card worth it?
The Wells Fargo Autograph℠ Card is a great credit card for both travel and regular purchases.
You won’t receive more luxurious travel benefits from it, like as free checked baggage at the airport or access to lounges. But those premium benefits come at a premium cost.
If you don’t mind annual fees, you won’t find a better travel credit card than the Wells Fargo Autograph℠ Card , whether you’re traveling far or sticking close to home.