The Wells Fargo Autograph has a $0 annual fee and earns 3x points on restaurants, travel, gas and transit, streaming, and phone plans, and 1x on everything else. Its main benefits are cell phone protection up to $600 per claim, no foreign transaction fees, 1:1 point transfers to Wells Fargo’s airline partners, and 0% intro APR on purchases for 12 months. Terms checked October 22, 2026; confirm the current welcome offer at the issuer.
What the Wells Fargo Autograph earns
| Category | Rate |
|---|---|
| Restaurants, travel, gas and transit, streaming, and phone plans | 3x points |
| Everything else | 1x points |
The credits and perks
Advertisement
The Autograph has no annual fee and no foreign transaction fees. Its standout is the wide 3x on restaurants, travel, gas and transit, streaming, and phone plans, which few no-fee cards match. Paying your phone bill with the card adds cell phone protection, with reimbursement up to $600 per claim after a $25 deductible, up to two claims a year.
Every benefit and limit
| Benefit | Wells Fargo terms, October 22, 2026 |
|---|---|
| Annual fee | $0 |
| Foreign transaction fee | None |
| Intro APR | 0% on purchases for 12 months, then 18.49%, 24.49% or 28.49% variable |
| Cell phone protection | Up to $600 per claim, $25 deductible, 2 claims per 12 months, lost phones excluded; pay the phone bill with the card |
| Rental car coverage | Secondary; decline the rental company’s collision coverage |
| Trip cancellation and lost luggage | Not included on the Autograph |
| Lounge access | None |
| My Wells Fargo Deals | Merchant offers paid as account credits, posting within 60 days |
| Point transfers | 1 Wells Fargo point = 1 partner mile or point |
| Point expiry | None while the account is open |
| Bonus rule | No bonus if you opened an Autograph in the past 48 months, even if it is closed |
From the Autograph card page and terms. A product change into the Autograph needs no credit check but brings no bonus or intro APR.
The fee math
With a $0 fee there is no break-even; the 3x categories are profit from the first purchase. The Autograph works as a no-fee everyday card, and its terms let you transfer points to Wells Fargo’s partners at 1 point per partner mile. NerdWallet lists 9 airline partners at 1:1, plus Choice and Wyndham at 1 point to 2 (February 4, 2026). Confirm current earn rates at the issuer.
Wells Fargo Autograph
Earn rates, credits, and the fee are current as of 2026. Confirm the current welcome offer at the issuer before you apply.
Rewards account changes. Wells Fargo changed how Rewards accounts work in 2026: since June, points on separate cards are no longer combined automatically, and since September 25, 2026 you can no longer give points to another Wells Fargo customer or set up automatic redemptions. You can still move points between your own cards, per Wells Fargo as quoted by Frequent Miler.
Who it fits and who it does not
The Autograph fits anyone who wants wide 3x earning with no annual fee, especially on dining, gas, transit, and phone bills. Anyone who needs lounge access or trip cancellation coverage needs a paid premium card instead.
More card guides
Compare this card
FAQ
Does the Wells Fargo Autograph have an annual fee?
No. The Autograph has no annual fee and no foreign transaction fees, so the 3x categories are pure return. Confirm current terms at Wells Fargo.
What does the Wells Fargo Autograph earn?
It earns 3x on restaurants, travel, gas and transit, streaming, and phone plans, and 1x on everything else, with no caps. Confirm current categories at the issuer.
Does the Wells Fargo Autograph include cell phone protection?
Yes, when you pay your monthly phone bill with the card, with reimbursement up to $600 per claim after a $25 deductible, up to two claims a year. Confirm current coverage at Wells Fargo.
Does the Wells Fargo Autograph have travel insurance?
Only partly. It includes secondary rental car coverage, but Wells Fargo lists no trip cancellation or lost luggage coverage on the Autograph. The Autograph Journey adds travel insurance.
Do Wells Fargo Autograph points transfer to airlines?
Yes. The Autograph terms set transfers at 1 Wells Fargo point per partner mile or point. NerdWallet lists 9 airline partners at 1:1, plus Choice and Wyndham at 1 point to 2.
Can I get the Wells Fargo Autograph bonus twice?
Only 48 months after you opened the first one. The terms say no bonus if you opened an Autograph in the past 48 months, even if that account is closed.
Last reviewed October 2026. We verify every rule, ratio, and figure against issuer terms and current reporting, and date each one. See our editorial standards for how we research and correct guides.
We re-check these guides as issuer rules and award charts change. 2 ways to follow along, no account needed.