Wells Fargo Autograph – How to Apply

By Raquel Oliveira • 03/12/2025

Wells Fargo Autograph Credit Card: 0% introductory APR and no annual fee.

The Wells Fargo Autograph Card is a great option for earning rewards on everyday purchases with no annual fee. Earn 3X points on dining, travel, and gas, plus enjoy flexible redemption options for rewards.

New cardholders can take advantage of a generous 20,000-point welcome bonus after spending $1,000 in the first three months. That’s equivalent to $200 in rewards, giving you a solid head start on earnings.

A major perk of this card is no foreign transaction fees, making it ideal for travelers looking to save while spending abroad. Additionally, enjoy a 0% introductory APR on purchases for the first 12 months.

If you want a high-value rewards card that earns points fast and offers strong perks without an annual fee, the Wells Fargo Autograph Card could be perfect. Keep reading to see if it fits your goals.

How does Wells Fargo Autograph work?

The Wells Fargo Autograph Credit Card works by offering 3% cash back on purchases in select categories such as dining, travel, streaming services, and more.

These categories cover a wide range of spending, so you can earn the highest rewards on the purchases that matter most to you. There’s no need to activate categories or keep track of rotating rewards, which makes this card easy to use.

In addition to the 3% cash back on select categories, the Wells Fargo Autograph card offers 1% cash back on all other purchases, ensuring you continue to earn rewards on everything you buy.

The card also comes with a variety of travel benefits, such as cell phone protection, extended warranty coverage, and travel protections like trip cancellation and interruption insurance.

Main benefits for the Wells Fargo Autograph

One of its biggest advantages is the 3X points on key spending categories, including dining, travel, gas, transit, streaming, and phone plans. This makes it a great choice for people who frequently spend in these areas.

The 20,000-point welcome bonus is another highlight. By spending $1,000 in the first three months, you earn a reward equivalent to $200. This is an easy way to boost your points balance right away.

Additionally, the card has no foreign transaction fees. Whether you’re traveling internationally or shopping on foreign websites, you won’t have to pay extra charges on your purchases.

Lastly, the 0% introductory APR on purchases for the first 12 months provides a financial cushion for larger expenses. If you need time to pay off a purchase without interest, this feature can be especially helpful.

Cons for the Wells Fargo Autograph

While the Wells Fargo Autograph Credit Card offers great rewards, there are some downsides to consider.

The main disadvantage is that the 3% cash back is limited to select categories, and while these categories cover popular spending areas, there are fewer options compared to some other rewards cards.

Additionally, the card charges a foreign transaction fee of 3%, which could be a disadvantage for international travelers.

Another drawback is the relatively high APR, so if you carry a balance, you could face significant interest charges. It’s important to pay off your balance in full each month to avoid these costs.

APR and Fees

The Wells Fargo Autograph Credit Card has a variable APR ranging from 15.99% to 23.99%, depending on your creditworthiness.

This means that if you carry a balance, you could face significant interest charges. It’s important to pay off your balance in full each month to avoid accruing interest.

The card has no annual fee, which makes it an affordable option for earning rewards. However, it does charge a foreign transaction fee of 3%, which could be a downside for those who frequently travel internationally.

How to Apply for the Wells Fargo Autograph Credit Card

Applying for the Wells Fargo Autograph is quick and easy. You can complete the application online through the Wells Fargo website.

To apply, you’ll need to provide basic personal information such as your name, address, Social Security number, and income details. Wells Fargo will review your application and determine your eligibility based on your credit history and financial situation.

If approved, you’ll receive your card within 7 to 10 business days. Once activated, you can start using it immediately for purchases and earning rewards.

Before applying, it’s a good idea to check your credit score. The Wells Fargo Autograph typically requires a good to excellent credit score for approval. If you’re unsure about your credit standing, you can check your score using free credit.

Conclusion

The Wells Fargo Autograph is a great option for anyone looking for a rewards credit card without an annual fee. With 3X points on dining, travel, gas, transit, and streaming services, it’s an excellent choice for everyday spending and frequent travelers.

The card also offers a valuable welcome bonus of 20,000 points, no foreign transaction fees, and a 0% intro APR for the first 12 months. These features make it a strong contender among no-fee rewards cards.

However, if you don’t spend much in the bonus categories, the rewards potential may be limited. Additionally, the high APR after the intro period means it’s best for users who can pay off their balance in full each month.

Overall, the Wells Fargo Autograph is a solid card for those who want a simple, high-earning rewards structure with flexible redemption options. If you’re looking for a reliable, fee-free rewards card, this one is worth considering. Apply now and get rewards.