Wells Fargo Autograph Visa Card

The Wells Fargo AutographSM Card is a rewards card designed for almost anyone, as it offers unlimited rewards benefits on six popular spending categories. It offers 20,000 bonus points when you spend $1,000 in the first 3 months. There is a 0% introductory APR on purchases for the first 12 months from account opening months, but it doesn’t include balance transfers. You even get cell phone protection. With no annual fee, there’s a lot to like about this card. We dive into the details and your approval odds in this Autograph Visa review.

Wells Fargo Autograph card

Our Rating

4.8/5.0

Welcome Offer

Earn 20,000 bonus points

Annual Fee

$0

0% Intro on Purchases

12 months from account opening

Reward Rate

1x to 3x points

0% Intro on Balance Transfers

N/A

>>Check Out This and Other Travel Rewards Credit Cards Here

Welcome Offer

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

Editorial Review

Features & Benefits

SecurityCredit Score Monitoring, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsCell Phone Protection, Extended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Auto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Trip Delay Reimbursement, Roadside Assistance

Rewards

1x points
On all other eligible purchases
Earn 1x points on other purchases
3x points
Cell phone service
3x on cell phone and landline providers
3x points
Streaming services
3x on popular streaming services
3x points
Travel
3x on airfare, hotels, cruises, and car rentals
3x points
Dining
3x on restaurants, dining in, take out, delivery, catering and more
3x points
Gas
3x at gas stations and electric charging stations
3x points
Transit
3x on subways, ride shares, parking, tolls and more

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR20.24%, 25.24%, or 29.99% (V) APR
Purchases0% Intro APR for 12 months on purchases, then 20.24%, 25.24%, or 29.99% (V) APR after that.

What Credit Score Is Required to Get the Wells Fargo AutographSM Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 695

Average Approved Credit Score: 761

App StatusDateCredit ScoreBureauCredit Limit
Approved10/17/2023
825
Equifax
$30,000
Approved04/03/2023
748
TransUnion
$15,000
Approved04/03/2023
754
Equifax
$15,000
Approved04/03/2023
767
Experian
$15,000
Approved04/22/2023
695
Experian
$2,500
Approved06/17/2023
768
TransUnion
$30,000
Approved11/19/2023
741
Experian
$14,000
Approved11/19/2023
743
Equifax
$14,000
Approved11/19/2023
746
TransUnion
$14,000
Approved10/27/2023
765
TransUnion
$16,000
Approved10/27/2023
786
Equifax
$16,000
Approved10/27/2023
788
Experian
$16,000

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
Cons
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card

Rating

4.5

Rewards Range

2x - 5x miles

Annual Fee

$95

Chase Freedom Flex(SM)
Chase Freedom Flex(SM)

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Related Articles