Wells Fargo · Visa
Wells Fargo Autograph℠ Card
No-fee card with broad 3x earning on dining, travel, gas, transit, and streaming
No annual fee
Why people consider it
- 3x on Dining.
- 3x on Travel.
- Points transfer to 10 airline and hotel partners.
Current welcome offer
Welcome offer: 20,000 points= $200
Requirement: Spend $1,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Recommended credit score: 690+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$792/year
for the sample household ($4,800/month) · points at typical value
First-year value
$992 first year
Includes: +$200 welcome offer
$200 is one-time. $792/year is ongoing.
To earn the bonus: spend $1,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- none
- Major trade-offs:
- Points worth only 1¢ unless redeemed for travel through portal Transfer partners are newer than Chase/Amex with fewer sweet spots
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
Restaurants and eligible delivery
Hotels, flights, car rentals, and more
Gas stations
Transit, rideshares, and parking
Popular streaming services
Phone plans
Optional benefits and credits
Perks (not counted in our math)
Redemption and transfer information
Points transfer to 10 airline and hotel partners — often where the highest redemption values live.
Approval and bonus eligibility caveats
Recommended credit score: 690+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Wells Fargo's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + 3x on 6 popular categories with no annual fee
- + No foreign transaction fees
- + Cell phone protection included
- + Low $1,000 spend for 20,000-point bonus
Cons
- - Points worth only 1¢ unless redeemed for travel through portal
- - Transfer partners are newer than Chase/Amex with fewer sweet spots
- - 3x categories are good but not best-in-class for any single category
- - Wells Fargo can be strict on approvals if you're not an existing customer
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.