Wells Fargo Autograph℠ Card

Wells Fargo Visa Premium Pending

Back Apply Now

13

Benefits

7

Reward Categories

3x

Max Reward

21.2%

APR From

Basic Information

PENDING

Program ID: wells-fargo-autograph-card

Issuer: Wells Fargo

Card Name: Wells Fargo Autograph℠ Card

Card Type: Credit

Network: Visa

Card Tier: Premium

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:32

Last Scraped: Jan 23, 2026 04:34

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 7 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Restaurants	3x	Points	Restaurants	No Cap
Travel	3x	Points	Travel	No Cap
Gas Stations	3x	Points	Gas stations	No Cap
Transit	3x	Points	Transit	No Cap
Streaming Services	3x	Points	Popular streaming services	No Cap
Phone Plans	3x	Points	Phone plans	No Cap
Everywhere Else	1x	Points	Other eligible purchases	No Cap

Rewards Summary

PENDING

Reward Type: Wells Fargo Rewards Points

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x Restaurants, 3x Travel, 3x Gas Stations, 3x Transit, 3x Popular Streaming Services, 3x Phone Plans

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Points do not expire as long as the account is active.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None

Redemption Penalties: None (points are generally worth 1 cent each for travel, cash back, or gift cards).

Benefits & Protections (Detailed) 13 Total

PENDING

Account Management 1

Account Alerts

Customizable account activity alerts

Stay informed about your account activity with customizable alerts.

Financial Protection 1

Overdraft Protection

Link to checking for overdraft prevention

Link your eligible Wells Fargo checking account to your credit card to help prevent overdrafts. Fees may apply.

Financial Tools 1

My Financial Guide

Financial management tools

Access tools and resources to help you manage your credit and finances.

Lifestyle 1

Concierge Services

24/7 personalized assistance

Enjoy 24/7 personalized assistance with dining reservations, event tickets, travel arrangements, and more.

Payment Features 1

Digital Wallet

Secure payments with Apple Pay, Google Pay, Samsung Pay

Make secure purchases with your Wells Fargo Autograph Card using Apple Pay®, Google Pay™, or Samsung Pay.

Protection 1

Cell Phone Protection

Up to $600 per claim, $25 deductible

Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo Autograph Card. Subject to a $25 deductible. Maximum of 2 claims per 12-month period. Terms, conditions, and exclusions apply.

Rewards 1

Unlimited 3X points on select categories

3X points on select categories, 1X on others

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.

Security 1

Zero Liability Protection

Protection against unauthorized transactions

You won't be held responsible for unauthorized transactions when reported promptly.

Travel Assistance 2

Travel and Emergency Assistance Services

24/7 global emergency services

Connect with a wide range of global emergency services, 24 hours a day, 365 days a year. Services include medical and legal referrals, emergency transportation assistance, and more. Cardholders are responsible for the cost of any services received.

Roadside Dispatch

24-hour pay-per-use roadside assistance

Get 24-hour access to a pay-per-use roadside assistance program. Services include standard towing, tire changing, jump starting, lockout service, and fuel delivery. Cardholders are responsible for the cost of any services received.

Travel Insurance 2

Travel Accident Insurance

Coverage for accidental death or dismemberment

Get coverage for accidental death or dismemberment when you pay for your common carrier travel tickets with your eligible Wells Fargo Autograph Card. Terms, conditions, and exclusions apply.

Auto Rental Collision Damage Waiver

Secondary coverage for rental car damage/theft

Get secondary coverage for damage or theft to most rental vehicles when you pay for the rental with your eligible Wells Fargo Autograph Card and decline the rental company's collision damage waiver. Terms, conditions, and exclusions apply.

Welcome Offer 1

Sign-up Bonus Points

20,000 bonus points ($200 value)

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months. That's a $200 cash redemption value.

Benefits Summary (Flags)

PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $0

TSA PreCheck Credit: $0

Sign-Up Bonus

PENDING

30,000

Points/Miles

Requirement: Spend $1,500 in 90 days

Timing: Typically within 1-2 billing cycles after the requirement is met, often within 48-72 hours of statement close.

Fee Structure

PENDING

Annual Fee:	$0.00
Year 1 Waived:	No
Effective Annual Fee:	$0.00
Authorized User Fee:	$0.00
Penalty APR:	0.00%
Min Interest Charge:	$1.00

Additional Fees

PENDING

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 & APR

PENDING

Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 12 months

Promo Financing: Introductory APR

Promo Duration: 12 months

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

670 - 850

Approval Odds

Very Good

Soft Pull Support

Supported

Application Process

Prequalification

Available

Preapproval

Available

Credit Bureau

Experian, TransUnion, Equifax

Issuer Rules & Policies

PENDING

Rules: Applicants must be 18 years or older, a U.S. resident, and possess good to excellent credit (typically FICO 670+). Wells Fargo generally limits new credit card approvals to one every six months. A welcome bonus is available only to new cardholders of the Wells Fargo Autograph Card who have not received a welcome bonus for this specific card product in the past 15 months.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, rapid credit limit accumulation across Wells Fargo accounts, sudden drastic changes in spending patterns, payment defaults, abuse of return policies, or suspected fraudulent activity.

Cliff Effect Rules: The welcome bonus for the Wells Fargo Autograph Card is limited to one per card product every 15 months. This rule applies specifically to the Autograph card and does not generally extend to other distinct Wells Fargo credit card products.

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
No annual fee, strong 3x points on popular everyday spending categories like dining, travel, gas, transit, streaming, and phone plans, plus valuable cell phone protection and no foreign transaction fees.

Top Negative:
Lacks an intro APR on purchases, points are generally valued at 1 cent each with limited premium redemption options, and some users desire more robust travel benefits.

Approval Experience: 78.0 / 100

Recommended Alternatives

Chase Freedom Unlimited
Citi Custom Cash
Capital One SavorOne Cash Rewards

Card Value Score: 82.0 / 100

Est. Annual Rewards: $378.00

Approval Probability: 80.0%

Version Control

PENDING

Version ID: v1.0