Wells Fargo Autograph Card Review: Quality Perks with No Annual Fee

The Wells Fargo Autograph Card offers 3 points per dollar in popular spending categories, simple point redemption at a flat rate, and some uncommon value-added benefits on the no-annual fee card (see rates and fees). Card Rating*: ⭐⭐⭐

*Tag ratings are based on the opinions of TPG editors and are not influenced by the card issuer.

The Autograph card is ideal for those who want a credit card with no annual fees, travel and shopping protections, and a quality income structure.

It also works well for those who want to perfect their points and miles strategy with a card that offers fixed rate redemptions. Unfortunately, not everything in life can be paid for with transferable points. Using a card with fixed-rate redemptions can help you “pay with points” for other life expenses.

The fact that the Autograph Card doesn’t charge an annual fee means it costs you nothing to keep it in your wallet, enjoy benefits like cell phone protection and free access to your credit score, among other things. other privileges.

Here’s a closer look at the Wells Fargo Signed Card.

You can earn 20,000 bonus points for spending $1,000 or more on purchases in the first three months of account opening. You can redeem points with Wells Fargo . Rewards at a value of 1 cent each, making this bonus $200 worth.

It should be noted that most Wells Fargo credit card applications include the following terms:

You may not be eligible for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the past 6 months. We may also limit the total number of Wells Fargo credit card accounts you have open.

As a result, Wells Fargo will consider whether you have opened other cards in the past six months and how many credit cards you have with this bank before deciding whether to approve your application or issue rewards. welcome or not.

Related: The Ultimate Guide to Credit Card Application Restrictions

with signature card, you’ll earn 3 points for every dollar at eligible restaurants, takeout, food service, food delivery, travel, gas, transit, eligible streaming services, and packages phone. You will earn 1 point for every dollar on other purchases.

This represents a sure return on spend of 3%, provided that the points are redeemed at a value of 1 cent each.

Related: Best Rewards Credit Cards for Each Bonus Type

You have several options to redeem your points at wellsfargo.com/rewards. You can redeem points worth 1 cent per point as a statement credit, for gift cards (in $25 increments), or for travel reservations, 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 using PayPal to Pay online for your purchases.

There are positives and negatives to this point approach. The good thing is that you never have to guess what your points will be worth using them, and it’s simpler to redeem as you don’t have to decipher how to best use your points. The negative side is that you will never get a redemption value higher than 1 cent, which you can do with Points are transferable.

It’s also important to note that you can get 1.5 cents worth of points per point when you exchange your points for a plane ticket if you have Wells Fargo Visa Signature® Credit Card.

Information on Wells Fargo Visa Signatures has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

As one Visa Signature Cardyou will enjoy two benefits integrated with the Autograph tag.

The Visa’s signature luxury hotel collection offers elite-like benefits when hotel bookings are made through its program, including room upgrades on arrival (where applicable), a $25 hotel dining credit, VIP status and complimentary breakfast for two per day.

Visa’s Signature Concierge service can help you make travel reservations, restaurant referrals and reservations, or book tickets to an event.

Related: Everything you need to know about the benefits of Visa Signature

The signature card also offers some protection for purchases made with your card. Benefits include extras car rental collision damage waiver on rent when you pay the entire transaction with your card, 24/7 roadside delivery, travel and emergency service support, and free access to your account FICO Credit Score.

You also get up to $600 mobile phone protection against damage or theft when you pay your monthly bills with your Autograph Card. However, there is a $25 deductible per claim and a limit of two claims in a 12-month period.

As a Wells Fargo cardholder, you’ll have access to My Wells Fargo Deals for cashback offers from different merchants. You can also get an emergency cash advance or an emergency card replacement (within 24 hours or up to three days, depending on where you live) if the need arises.

• If you want Wells Fargo rewards to have a simpler monetization structure: The Wells Fargo Active Cash® Card earn cash back in the form of Wells Fargo bonus points, meaning you get access to the same points as the Autograph card but without the attention to bonus categories. Instead, you’ll get unlimited 2% cash back on purchases and still enjoy up to $600 cell phone protection against damage or theft (with a $25 deductible). ) and the privilege of accessing credit scores, and there is no annual fee for this card (see rates and fees).
• If you want fixed value points with more benefits: The Capital One Venture Rewards Credit Card earn a minimum of 2 miles per dollar on every purchase and you can redeem Capital One miles for travelling, as statement credits, for travel purchases and when shopping online, etc. The card has an annual fee of $95 and you can get your subscription fee refunded to Global Entry or TSA Pre-Check.
• If you want a similar earnings structure with more valuable points: The Citi Premier® Card has an annual fee of $95 and earns 3 points for every dollar in the following categories: air travel, hotels, gas stations, supermarkets and restaurants (including takeout). Along with withdrawing from your points, you can also use ThankYou points with nearly 20 airline and hotel partnersin addition you will still be protected mobile phone with this card.

It’s worth comparing the value of getting one annual free card with one that has a annual fee less than $100as the latter can provide more value.

Read more: A Complete Guide to Credit Card Annual Fees

This card is a great choice for those who don’t want to pay annual fees but also want quality earning potential and protection when traveling and shopping. Easily redeem rewards with fixed rate redemptions. However, points and miles enthusiasts might be better off with travel rewards credit card.

Official app link: Wells Fargo . Signature Card

For Wells Fargo Autograph card rates and fees, click here.
For Wells Fargo Active Cash rates and fees, click here.