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

Wells Fargo Autograph℠ Card Overview

of Wells Fargo Signed ℠ Card It offers 3 points per dollar in popular spending categories, easy point redemption at a flat rate, and several value-added benefits not typical of cards with no annual fees (see Fees & Fees). Card Rating*: ⭐⭐⭐

*Card ratings are the opinion of the TPG editorial department and are not affected by card issuers.

The Autograph Card is perfect for those looking for a no annual fee credit card, travel and shopping protection, and a quality earning structure.

It is also suitable for those who want to complete their Points and Miles strategy with a card that offers fixed rate redemption. With a flat-rate card, you can “pay with points” for other expenses in your life.

Sign cards have no annual fee, so they’re less expensive to keep in your wallet and offer perks like cell phone protection and free access to your credit score.

Let’s take a closer look at the Wells Fargo autographed card.

Wells Fargo Signed Card Welcome Bonus

Earn 20,000 bonus points when you spend $1,000 or more within 3 months of opening your account. Points can be redeemed for Wells Fargo Rewards for 1 cent value and this bonus is worth $200.

Please note that most Wells Fargo credit card applications have the following terms and conditions:

If you opened a Wells Fargo Credit Card within the last 6 months, you may not be able to obtain an additional Wells Fargo Credit Card. We may also limit the total number of Wells Fargo credit card accounts.

Therefore, Wells Fargo will determine whether you have opened any 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 a welcome bonus. Consider

RELATED: The Ultimate Guide to Credit Card Application Limits

Earn Rewards with Wells Fargo Autographed Cards

with autograph card, restaurants, takeout, catering, food delivery services, travel, gas, transit, eligible streaming services, and phone plans. Earn 1 point for every dollar spent on other purchases.

Given that points are redeemed at a value of 1 cent each, this represents a solid return on spend of 3%.

RELATED: The Best Rewarding Credit Cards for Each Bonus Category

Redeem rewards with a Wells Fargo signed card

There are several options for redeeming points at wellsfargo.com/rewards. Points can be redeemed for 1-cent value for statement credit, redeemed for gift cards in $25 increments, or to book travel such as flights, car rentals, hotel stays and more.

You can also redeem your points for credit towards an eligible Wells Fargo credit card, checking account or mortgage. In addition, you can also pay with points at participating merchants, including online purchases using PayPal.

There are pros and cons to approaching this point. The upside is that points are easier to redeem when you don’t have to guess what they’re worth when you use them and you don’t have to decipher how to best use them. The point is that you will never achieve a redemption value higher than a cent. This can be done with transferable points.

Also note that if you have a Wells Fargo Visa Signature® credit card, you’ll get a value of 1.5 cents per point when you redeem your points for airfare.

Wells Fargo Visa signature information was independently collected by The Points Guy. Card details on this page are not verified or provided by the card issuer.

Wells Fargo signature card privilege

As a Visa Signature card, enjoy two benefits built into the Autograph card.

With the Visa Signature Luxury Hotel Collection, when you book a hotel through the program, you’ll receive a room upgrade on arrival (where available), $25 food and beverage credit at your accommodation, VIP guest status, complimentary breakfast for two daily, and more. , offers elite-like perks.

The Visa Signature Concierge Service can help with travel reservations, restaurant recommendations, reservations, event tickets, and more.

Related: What you need to know about Visa Signature card benefits

of autograph card It also offers some protection against card purchases. Benefits include secondary car rental collision damage waivers for car rentals when the entire transaction is paid for by card, 24/7 roadside dispatch, travel and emergency services assistance, and free access to FICO credit scores.

Plus, pay your monthly bill with a signature card and get up to $600 in protection against damage or theft of your phone. However, there is a $25 deductible per claim, and he is limited to twice in a 12-month period.

Wells Fargo cardholders have access to My Wells Fargo Deals, where you can take advantage of cashback promotions from a variety of merchants. You can also get an emergency cash advance or emergency card replacement (he within 24 hours or up to 3 days depending on location) if needed.

What cards compete with the Wells Fargo Autograph card?

Two things immediately come to mind when I think of similar cards. It’s a credit card with a similar revenue structure to other cards that earn fixed rewards.

• If you want Wells Fargo rewards with a simpler revenue structure: The Wells Fargo Active Cash® Card earns cash back in the form of Wells Fargo Rewards points. This means you can access the same points as your Autograph card without having to pay attention to bonus categories. Instead, you’ll earn unlimited 2% cash back on your purchases and continue to enjoy up to $600 in mobile phone protection against damage or theft ($25 deductible) and access to your credit score. This card has no annual fee (see Fees and Fees).
• If you want fixed value points with more benefits: Capital One Venture Rewards credit cards earn a minimum of 2 miles per dollar spent on every purchase. Capital One miles can be used for travel as statement credit for travel purchases, online shopping and more. The card has an annual fee of $95 and is refundable for Global Entry or TSA PreCheck application fees.
• If you want a similar revenue structure with more valuable points: The Citi Premier® Card has an annual fee of $95 and earns 3 points per dollar spent in Air Travel, Hotels, Gas Stations, Supermarkets and Restaurants (including takeout) categories. In addition to redeeming your points, you can also use your ThankYou points at nearly 20 airline and hotel partners. In addition, you can also protect your mobile phone with this card.

It’s worth comparing the value of a no annual fee card to a card with an annual fee of less than $100. Because the latter is more valuable.

Read more: The Complete Guide to Credit Card Annual Fees

Are Wells Fargo Autograph Cards Worth It?

With no annual fees, this card is perfect for those who want quality earning potential and protection for their travels and shopping. Rewards can be easily redeemed with fixed rate redemptions. However, Points and Miles enthusiasts may be better off with a Travel Rewards credit card.

Conclusion

It’s rare to see a no annual fee card that offers multiple protections and strong revenue categories. Plus, the Wells Fargo Autograph Card has a high-quality welcome bonus that’s easy to redeem and won’t cost you a fortune.

Those looking for a card with no annual fee and easy redemption of points may consider this card a long-term keeper. However, those who like to get the most value out of their credit card benefits may not enjoy the fixed rate redemptions available on Autograph his card.

Official application link: Wells Fargo autograph card

For Wells Fargo Autograph Card rates and charges, please click here.
Click here for Wells Fargo Active Cash rates and fees.