Wells Fargo Autograph

By Raquel Oliveira • 03/12/2025

Wells Fargo Autograph Credit Card offers 3% cash back on select categories.

With 3% cash back on purchases in categories like dining, travel, streaming, and more, this card is perfect for those who want to earn significant rewards without worrying about rotating categories. 

Whether you’re dining out, booking travel, or streaming your favorite content, the Wells Fargo Autograph Credit Card allows you to maximize your cash back.

In addition to the 3% cash back in select categories, this card also offers 1% on all other purchases, allowing you to earn rewards consistently. 

With no annual fee and an attractive sign-up bonus, this card provides great value for individuals who want to earn rewards without paying extra costs.

Unique Feature of the Wells Fargo Autograph Credit Card

The unique feature of the Wells Fargo Autograph Credit Card is its ability to earn 3% cash back on purchases in multiple popular categories, such as dining, travel, streaming services, and more. 

These categories cover a wide range of spending, ensuring that you can earn top rewards on the purchases that matter most to you. 

Pros and Cons

Pros:

• 3% cash back on select categories: Earn top rewards on dining, travel, and streaming, with no rotating categories.
• 1% cash back on all other purchases: Continue earning rewards on every purchase, with no restrictions.
• No annual fee: Enjoy the card’s benefits without paying an annual fee.
• Generous sign-up bonus: Get a head start on earning rewards with a large sign-up bonus after meeting the spending requirement.
• Cell phone protection: Get coverage for damage or theft of your cell phone when you pay your monthly bill with the card.

Cons:

• Limited high rewards categories: While the card offers 3% cash back on specific categories, there are fewer bonus categories compared to some other rewards cards.
• Foreign transaction fees: The card charges a 3% foreign transaction fee, which could be a disadvantage for international travelers.
• Higher APR: The APR is relatively high, so it’s important to pay off your balance in full each month to avoid interest charges.

How do I know if the Wells Fargo Autograph is the best credit card for me?

The Wells Fargo Autograph Credit Card is ideal for individuals who want to earn high rewards on popular categories like dining, travel, and streaming services.

If you spend a significant portion of your budget on these categories, this card can help you maximize your cash back rewards. 

However, if you’re looking for a card with higher rewards across a broader range of categories or additional perks like airport lounge access or free checked bags, this card may not be the best fit.

Why do we like this card?

The Wells Fargo Autograph Credit Card stands out because it offers valuable rewards in practical spending categories. The ability to earn 3X points on dining, travel, gas, and streaming services ensures that everyday purchases turn into meaningful rewards.

The lack of an annual fee makes this card even more appealing, allowing cardholders to maximize rewards without worrying about additional costs. The 20,000-point welcome bonus is a great way to start earning, adding even more value for new cardholders.

Another reason this card is appealing is its flexibility in redeeming points, with options including travel, statement credits, and gift cards. This makes it easy to use rewards in a way that fits your lifestyle.

For individuals who frequently spend in the 3X bonus categories, this card is an excellent way to earn rewards without the hassle of an annual fee.

How to Maximize Your Wells Fargo Autograph Credit Card

To get the most out of this card, use it for all purchases in the 3X bonus categories, including dining, travel, gas, and streaming services. Since these are common everyday expenses, this strategy ensures steady rewards accumulation.

Taking advantage of the 20,000-point welcome bonus is also key. By spending at least $1,000 within the first three months, you can redeem $200 worth of rewards, making the card even more valuable.

Since interest rates can be high after the introductory period, it’s important to pay off your balance in full each month to avoid unnecessary costs. This allows you to enjoy the full benefits of cashback and points without paying extra in interest.

By following these strategies, you can maximize your rewards and take full advantage of what this card has to offer.