#11 overall · Points card
Wells Fargo Autograph℠ Card
Wells Fargo · Visa · Good credit required
Free
Annual fee
$200
Welcome bonus
$565
First-year value
$365
Ongoing/yr
Rewards rates
🛒
Groceries
$5700/yr avg spend
1x
+$57/yr
🍕
Dining & Takeout
$3000/yr avg spend
3x
+$90/yr
✈️
Travel & Hotels
$2040/yr avg spend
3x
+$61/yr
⛽
Gas & EV Charging
$2100/yr avg spend
3x
+$63/yr
📺
Streaming
$540/yr avg spend
3x
+$16/yr
🛍️
Everything Else
$7800/yr avg spend
1x
+$78/yr
Based on average US spending. Use your own spending →
✓ Pros
- ✓ 3x on restaurants, travel, gas, streaming
- ✓ No annual fee
- ✓ 20,000 bonus points offer
- ✓ Cell phone protection
✗ Cons
- ✗ Low 1x earn rate on non-bonus spending
Is the Wells Fargo Autograph℠ Card worth it?
Yes — there's no cost to hold it. Even if you only use it occasionally for dining, you're ahead. It makes an excellent secondary card. The $200 welcome bonus (if you hit the spend requirement of $1,000 in 3 months) makes year one worth $565 total.
Verdict: Strong value — earns well above its fee on typical spending.
Ready to apply?
Current offer: $200 welcome bonus after $1,000 spend in 3 months
Apply for Wells Fargo Autograph℠ Card →You'll be directed to Wells Fargo's official application