Wells Fargo Autograph – How to Apply

By Raquel Oliveira • 03/12/2025

Wells Fargo Autograph offers Initial welcome bonus and Flexible redemption options.

The Wells Fargo Autograph® Card is a popular choice among credit card users, offering a blend of rewards, travel benefits, and security features. With no annual fee and a generous rewards structure, it provides excellent value.

This card earns 3 points per dollar on key spending categories like dining, travel, gas stations, and streaming services, allowing users to maximize rewards on everyday expenses. Points can be redeemed for travel, statement credits, and more.

New cardholders can also enjoy a valuable welcome bonus by meeting the minimum spending requirement within the first three months, making it a rewarding option from the start.

With fraud protection, travel perks, and flexible redemption options, the Wells Fargo Autograph® Card delivers a well-rounded experience for users who prioritize security, rewards, and everyday convenience.

How Does the Wells Fargo Autograph Card Work?

The Wells Fargo Autograph card operates as a rewards-based credit card, allowing users to accumulate points with every purchase. The main appeal of this card is its 3x points structure, which applies to a variety of essential spending categories.

For every dollar spent, cardholders earn 3 points on dining, travel, gas stations, transit, streaming services, and phone plans and 1 point on all other purchase.

The accumulated points can be redeemed for statement credits, travel, gift cards, and online shopping, making it a flexible rewards program. To maximize the benefits, users should focus on spending in the 3x categories, ensuring they earn the most points possible.

Additionally, the welcome bonus provides a strong incentive for new cardholders who meet the minimum spending requirement within the first 90 days.

Main Benefits of the Wells Fargo Autograph Card

• 3x points per dollar spent in popular spending categories, maximizing rewards on everyday expenses.
• No annual fee, making it an affordable long-term option.
• Initial welcome bonus for new cardholders who meet the spending requirement in the first three months.
• Flexible redemption options, including travel, statement credits, and gift cards.
• Fraud protection and enhanced security, ensuring safe transactions.
• Cell phone protection, covering damages or theft when the monthly bill is paid with the card.

Cons of the Wells Fargo Autograph Card

Standard purchases earn only 1 point per dollar, making it less rewarding for users who spend outside the bonus categories.

No direct cashback option, which may not appeal to users who prefer straightforward cash rewards.

Limited international advantages, as high foreign transaction fees make it less attractive for frequent travelers.

Wells Fargo Autograph: Fees and APR Details

The Wells Fargo Autograph card comes with a variable APR, which depends on the cardholder’s credit profile. Understanding the fees and interest rates is essential to making informed financial decisions.

• Variable APR: Ranges from 17.49 percent to 29.49 percent, based on creditworthiness.
• Balance transfer fee: Applies to transferred balances and can add to overall costs.
• Cash advance APR: Higher interest rates apply to cash advances, making them costly.
• No annual fee, allowing users to enjoy benefits without extra charges.

While the absence of an annual fee is a major advantage, cardholders should be aware of the balance transfer and cash advance fees, as they can accumulate additional costs if not managed carefully.

How to Apply for the Wells Fargo Autograph Card

Applying for the Wells Fargo Autograph card is a straightforward process that can be completed online in just a few steps.

• Visit the Wells Fargo website and navigate to the credit card section.
• Fill out the online application, providing details such as name, address, and financial information.
• Review the terms and conditions to understand the APR, fees, and rewards structure.
• Submit the application and wait for approval, which may be instant or take a few business days.

A good credit score is recommended for approval, as Wells Fargo evaluates an applicant’s creditworthiness before issuing the card. Ensuring a strong credit history can increase the chances of approval and potentially lead to better terms.

How to Use the Wells Fargo Autograph Card Efficiently

To make the most of the Wells Fargo Autograph card, cardholders should focus on earning and redeeming points strategically.

• Use the card for dining, travel, gas stations, and streaming services to maximize 3x points.
• Meet the minimum spending requirement within the first three months to unlock the welcome bonus.
• Redeem points for statement credits, travel, or gift cards based on personal spending habits.
• Take advantage of cell phone protection by using the card to pay monthly phone bills.
• Avoid carrying a balance to prevent high APR charges after the introductory period.

By implementing these strategies, users can optimize their rewards and get the most value from their Wells Fargo Autograph card.

Is the Wells Fargo Autograph Card Worth It?

The Wells Fargo Autograph card is an excellent choice for individuals looking for a rewards card with no annual fee and generous earning potential in everyday spending categories.

The 3x points structure makes it an attractive option for those who frequently dine out, travel, or use streaming services.

While the card lacks direct cashback rewards, its flexible redemption options make it a versatile choice for users who prefer earning points over fixed cash rewards. However, for frequent international travelers, the foreign transaction fees may be a downside.

Overall, for those who want a well-rounded rewards card with strong earning potential, security features, and no annual fee, the Wells Fargo Autograph card is a smart and rewarding choice.