Wells Fargo Autograph℠ Card

Wells Fargo Visa Pending

Back Apply Now

17

Benefits

3

Reward Categories

5x

Max Reward

21.2%

APR From

Basic Information

PENDING

Program ID: wells-fargo-one-key-card

Issuer: Wells Fargo

Card Name: Wells Fargo Autograph℠ Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:59

Last Scraped: Feb 05, 2026 13:31

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
OneKeyTravel.com Bookings	5x	Points	Eligible stays, activities, and car rentals booked through OneKeyTravel.com	No Cap
Expedia, Hotels.com, and Vrbo	2x	Points	Eligible purchases at Expedia, Hotels.com, and Vrbo	No Cap
All Other Purchases	1x	Points	All other eligible purchases	No Cap

Rewards Summary

PENDING

Reward Type: OneKeyCash

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x on eligible travel purchases made through OneKey; 2x on eligible purchases at Expedia, Hotels.com, and Vrbo; 1x on all other eligible purchases

Quarterly Rotating: No

Expiration Policy: OneKeyCash expires 12 months after the last qualifying activity

Point Value: 0.01¢

Travel Portal Multiplier: 5x

Benefits & Protections (Detailed) 17 Total

PENDING

Customer Service 1

Dedicated Customer Service (OneKey Silver)

Priority support

As part of OneKey Silver Status, receive priority customer support for OneKey program inquiries and bookings.

Lifestyle 1

Visa Signature Concierge

24/7 assistance

Provides 24/7 complimentary assistance for travel planning, dining reservations, event tickets, and more.

Purchase Protection 2

Purchase Security

Up to $500 per claim, $50,000 per account

Protects eligible new purchases against theft or damage for a specified period (e.g., 90 days) from the date of purchase.

Extended Warranty Protection

Up to one additional year, up to $10,000 per claim

Extends the manufacturer's original U.S. warranty by up to one additional year on eligible items with warranties of three years or less.

Rewards 2

Accelerated OneKeyCash Earning on Travel

10x OneKeyCash

Earn 10x OneKeyCash on eligible purchases made at Expedia, Hotels.com, and Vrbo.

Standard OneKeyCash Earning

2x OneKeyCash

Earn 2x OneKeyCash on other eligible purchases.

Security 1

Zero Liability Protection

No liability for unauthorized transactions

Protects cardholders from unauthorized purchases made with their card or account information.

Shopping 1

Member-only Deals (OneKey Silver)

Exclusive discounts

As part of OneKey Silver Status, access exclusive discounts and deals on travel bookings.

Status Benefits 1

Automatic OneKey Silver Status

OneKey Silver Status

Cardholders automatically receive OneKey Silver Status, unlocking various travel perks within the OneKey program.

Travel 1

No Foreign Transaction Fees

0% foreign transaction fee

No fees are charged on purchases made outside the United States.

Travel Insurance 4

Auto Rental Collision Damage Waiver

Secondary coverage

Provides secondary coverage for damage due to collision or theft of most rental vehicles when you pay for the rental with your eligible card and decline the rental company's collision damage waiver (CDW) or similar option.

Travel Accident Insurance

Up to $250,000

Provides coverage for accidental death or dismemberment while traveling on a common carrier when you pay for the entire fare with your eligible card.

Lost Luggage Reimbursement

Up to $3,000 per trip

Reimburses you for the replacement of your checked or carry-on luggage and its contents if lost or damaged by the common carrier.

Trip Delay Reimbursement

Up to $500 per ticket

Reimburses you for reasonable additional expenses incurred when your common carrier travel is delayed for a specified period (e.g., 6 hours or more) or requires an overnight stay.

Travel Perks 1

VIP Access Properties (OneKey Silver)

Access to VIP amenities

As part of OneKey Silver Status, gain access to special amenities or services at select VIP Access properties.

Travel Protection 1

Price Drop Protection (OneKey Silver)

Price difference refund

As part of OneKey Silver Status, receive a refund for the difference if the price of an eligible flight or hotel drops after booking.

Travel Services 1

Roadside Dispatch

Pay-per-use service

A pay-per-use roadside assistance program available 24/7 for services like towing, tire changing, jump starting, lockout service, and fuel delivery.

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

Sign-Up Bonus

PENDING

$200

Cash Back

Requirement: Spend $1,000 in 180 days

Fee Structure

PENDING

Annual Fee:	$0.00
Year 1 Waived:	No
Effective Annual Fee:	$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: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 12 months

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

670 - 850

Approval Odds

Good

Soft Pull Support

Supported

Application Process

Prequalification

Available

Preapproval

Available

Credit Bureau

Experian, Equifax, TransUnion

Issuer Rules & Policies

PENDING

Rules: For 2026, the Wells Fargo OneKey Card is expected to maintain its core bonus and application rules. A key rule is that applicants are eligible for one bonus per 15 months for this specific card product. Eligibility requirements typically include an excellent credit score (generally 740+ FICO), sufficient verifiable income, and a clean credit history. Applicants must not have received a bonus for the Wells Fargo OneKey Card within the last 15 months. Wells Fargo also considers application velocity, meaning too many recent credit card applications (especially with Wells Fargo) may lead to denial. General requirements include being 18 years or older and a U.S. resident.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Wells Fargo products, rapid balance transfers, unusual spending patterns inconsistent with declared income, defaulting on other Wells Fargo accounts, abuse of rewards programs (e.g., excessive returns after earning points), or providing inaccurate information on applications.

Cliff Effect Rules: The primary 'cliff effect' rule for the Wells Fargo OneKey Card is the 'one bonus per 15 months per card' restriction. This means you cannot receive a sign-up bonus for the Wells Fargo OneKey Card if you have received a bonus for the *same specific card product* within the past 15 months. This rule applies to the individual card product, not necessarily across an entire 'family' of Wells Fargo cards, allowing eligibility for bonuses on different Wells Fargo card products outside of this specific card's 15-month window.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
Strong earning rate on all purchases, flexible redemption options through One+ Key, and no annual fee.

Top Negative:
Redemption value can be complex or less straightforward than cash back, limited to One+ Key ecosystem for optimal value.

Approval Experience: 80.0 / 100

Recommended Alternatives

Chase Freedom Unlimited
Citi Double Cash Card
Capital One SavorOne Cash Rewards

Card Value Score: 75.0 / 100

Est. Annual Rewards: $300.00

Approval Probability: 85.0%

Version Control

PENDING

Version ID: v1.0