THE CARDTUNED DATABASE
Wells Fargo Autograph Card
Issuer: Wells Fargo · Network: Visa
Unlimited 3X restaurants, travel, gas, transit, popular streaming services and phone plans; 1X other purchases
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- 0% intro APR for 12 months from account opening on purchases.
- Regular APR
- 18.74%, 24.74% or 28.74% variable APR after the introductory period; September 26, 2026 application terms.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
20,000 points after $1,000 in net purchases within 3 months of account opening.
- Spending requirement
- $1,000 in net purchases
- Time window
- 3 months from account opening
Offer last checked: 2026-09-05
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Selected categories | 3X | Unlimited — restaurants, travel, gas, transit, popular streaming services and phone plans Partner transfer options and redemption values can change. |
| Other purchases | 1X | other purchases Partner transfer options and redemption values can change. |
Restrictions to know
Bonus categories depend on Visa merchant coding. The 20,000-point offer requires $1,000 in net purchases within 3 months; eligibility restrictions and channel-specific terms apply.
Who can apply
U.S. applicant of legal age; subject to Wells Fargo credit approval, identity and income verification, and current product/application rules.
Credit profile: Generally good to excellent credit positioning
Before you choose
Check how everyday spending supports travel
Compare the eligible bonus categories with your regular spending before focusing on travel redemptions. A card can be useful for a trip even when most of the rewards were earned at home.
Review redemption options and travel-related conditions directly with the issuer. Do not assign a speculative redemption value to points when comparing them with cash-back rewards.