Wells Fargo Autograph℠ Card
Basic Information
Program ID: wells-fargo-autograph-card
Issuer: Wells Fargo
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 18:32
Last Scraped: 01/15/2026 08:12
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $30,000.00
Spending Requirement: $1,500.00
Time Period: 90 days
Bonus Timing: Bonus points typically post to your account within 1-2 billing cycles after meeting the spending requirement.
Rewards Program
Reward Type: Wells Fargo Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Restaurants, 3x Travel, 3x Gas Stations, 3x Transit, 3x Popular Streaming Services, 3x Phone Plans
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: To be eligible for the welcome bonus on the Wells Fargo Autograph card, applicants must not have received a welcome bonus for this specific card product in the past 15 months. General application eligibility requires applicants to be 18 years or older, a U.S. citizen or permanent resident with a valid SSN/ITIN, possess a good to excellent credit score (typically 670+), and demonstrate sufficient income. Wells Fargo also enforces internal application velocity rules, generally limiting new credit card applications to no more than one every six months and no more than two within a 24-month period across all Wells Fargo credit card products.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (high number of applications across all issuers), high cumulative credit limit across Wells Fargo products relative to income, suspicious spending patterns, frequent late or bounced payments, abuse of return policies, or rapid account opening and closing (churning).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.2 / 5.0
Top Positive Feedback:
No annual fee, strong 3x bonus categories on everyday spending like dining, travel, gas, and streaming, plus cell phone protection and a solid welcome bonus.
Top Negative Feedback:
Points are fixed at 1 cent per point, no transfer partners, and it carries foreign transaction fees despite being a travel card.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One SavorOne
- Citi Custom Cash
Card Value Score: 80.0 / 100
Est. Annual Rewards: $360.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0