Wells Fargo Autograph Card review

Wells Fargo Autograph Card is the strongest earner among the no annual fee cards here. Wells Fargo lists 3x points on restaurants, travel, gas and transit, popular streaming services and phone plans, and 1x on everything else, so a traveler earns the higher rate on flights and hotels booked anywhere rather than only through an issuer portal. New cardholders get 20,000 bonus points after spending $1,000 in the first 3 months, which Wells Fargo values at a $200 cash redemption, plus a 0% intro APR on purchases for 12 months. Points can pay for purchases through PayPal, go toward gift cards or account credits, or transfer to select travel loyalty programs in any amount, though the card page does not name those programs. The card charges no foreign transaction fee and adds cell phone protection up to $600. There is no lounge access, no travel credit and a shorter list of travel protections than paid cards, so frequent flyers will outgrow it.

Who it is for

Travelers who want 3x on travel with no annual fee

Price

$0 annual fee; 20,000 bonus points after $1,000 in purchases in the first 3 months.

Plus, earn 3X points for many ways to keep life in motion. 2 $0 annual fee
Quoted from the vendor pricing page on November 12, 2026.

Key features

• 3x points on restaurants, travel, gas and transit, popular streaming services and phone plans
• 1x points on other purchases
• 20,000 bonus points after $1,000 in purchases in the first 3 months
• 0% intro APR for 12 months from account opening on purchases
• Points transfer to select travel loyalty programs in any amount

Strengths and weaknesses

• Strength: No annual fee and no foreign transaction fee
• Strength: Travel earns 3x whether you book direct or through an agency
• Strength: Cell phone protection up to $600 against damage or theft
• Weakness: No lounge access or travel credits
• Weakness: Wells Fargo does not name or count its transfer partners on the card page
• Weakness: Fewer travel protections than the $95 cards on this list

Key facts

• Annual fee: $0
• Travel earn: 3x points
• Welcome bonus: 20,000 points after $1,000 in 3 months
• Intro APR: 0% for 12 months on purchases

Where it ranks

Wells Fargo Autograph Card is No. 5 in our Best Travel Credit Cards verdict.