No frills and excessive rewards

The Wells Fargo Autograph® Card is a superb journey rewards card in order for you a excessive price on on a regular basis purchases, no annual charge, and a 0% introductory APR provide. Whereas it doesn’t provide premium journey perks, it holds its personal as a low-stress, rewarding card choice.

• Cellular phone safety: Topic to a $25 deductible, you possibly can obtain as much as $600 of cellular phone safety towards injury or theft so long as you pay your cellular phone invoice together with your card.

• No overseas transaction charge: There are no overseas transaction charges once you use your card to make purchases from overseas retailers, together with once you’re touring internationally.

• Switch companions: Improve your redemption flexibility by transferring your factors to journey companions, together with JetBlue TrueBlue, Air France-KLM Flying Blue, British Airways Government Membership, Virgin Atlantic Flying Membership, and Selection Privileges.

• Auto rental collision injury waiver: Obtain secondary collision protection on eligible automobile leases once you pay together with your card.

• Journey and emergency help providers: Obtain emergency help whereas touring wherever worldwide.

• Roadside dispatch: If wanted, make the most of this pay-per-service roadside dispatch profit.

• Emergency money disbursement: As a Visa credit score cardholder, you possibly can obtain an emergency money advance disbursement or card substitute inside one to a few enterprise days.

• Visa Signature Concierge Providers: Visa Signature cardholders can use the complimentary 24/7 Visa Signature Concierge service to guide journey lodging, discover tickets to sporting and leisure occasions, and make dinner reservations.

• Visa Signature Luxurious Resort Assortment: Entry premium perks at Luxurious Resort Assortment properties as a part of your Visa Signature advantages.

You possibly can earn rewards together with your Wells Fargo Autograph Card by making eligible purchases and qualifying for the welcome bonus as a brand new cardholder.

You usually have a couple of months to earn the brand new cardholder bonus, which is usually loads of time for those who align your card purchases with on a regular basis spending, equivalent to fuel, native transit, and your cellular phone invoice. Nonetheless, for those who’re frightened about assembly the minimal spend requirement, you could wish to contemplate ready to join the cardboard till you might have upcoming massive purchases, equivalent to reserving flights for an upcoming trip.

Whereas the welcome bonus can shortly increase your rewards, you’ll possible discover your on a regular basis bills earn essentially the most rewards yr after yr.

If we have a look at the U.S. Bureau of Labor Statistics shopper expenditures from 2024, we see American households spending this a lot on common on these purchases:

• Meals away from residence: $3,945

• Gasoline: $2,411

• Public and different transportation: $1,131

That’s a complete of $7,487 for these purchases alone, which might internet you 22,461 factors, because of the Wells Fargo Autograph 3x multipliers in these classes. Even with out accounting for different bills, equivalent to journey and groceries, that’s over $200 in journey rewards you possibly can earn yearly from on a regular basis bills.

You possibly can redeem your Wells Fargo Rewards factors for these choices:

• Transfers to journey companions: You possibly can switch your rewards to taking part journey rewards applications, equivalent to JetBlue TrueBlue, Air France-KLM Flying Blue, British Airways Government Membership, Virgin Atlantic Flying Membership, and Selection Privileges.

• Journey: Redeem rewards for flights, lodge stays, and automobile leases.

• Account credit: Obtain an account credit score on an eligible Wells Fargo bank card or checking account.

• Pay with Rewards: Use your rewards to pay for all or a part of eligible purchases at checkout with PayPal.

• Previous purchases: Cowl previous, eligible purchases with factors.

• Reward playing cards: Redeem factors for bodily and digital present playing cards.

The Wells Fargo Autograph Card is sensible if:

• You desire a low-stress journey card: With no annual charge and a excessive rewards price, this is a superb card for many, however not all, of your on a regular basis purchases.

• The rewards price aligns together with your on a regular basis bills: In case your spending habits align with the Autograph’s rewards classes, you possibly can be incomes loads of factors on purchases you already make.

• You wish to make the most of a 0% intro APR provide: It’s not as frequent for journey rewards playing cards to have 0% intro APR provides, so this can be a good, further perk.

• You journey internationally: The Wells Fargo Autograph has no overseas transaction charges and runs on the Visa community, making it an distinctive card for worldwide vacationers.

• The switch companions align together with your journey plans: Whereas not utterly crucial, it might be a pleasant bonus for those who already regularly use the rewards applications of any of the out there switch companions.

• Excessive rewards price: The 3x multipliers in varied on a regular basis classes beat out many different journey rewards playing cards that cost annual charges.

• No annual charge: There’s no annual membership value, making it simple to justify signing up for and preserving the Wells Fargo Autograph Card for a few years or indefinitely.

• No overseas transaction charge: You don’t have to fret about these charges when touring internationally.

• No premium journey perks: As a no-annual-fee card, you received’t discover perks like airport lounge entry or journey credit.

• No intro provide on stability transfers: There’s a 0% intro APR provide on purchases, however none for stability transfers. Many cash-back bank cards are likely to have provides on each.

• Low base rewards price: Whereas the bonus classes provide excessive charges, the bottom incomes potential is low. That is particularly obvious for those who contemplate you’ll solely earn 1x factors on grocery purchases.

You should utilize the Wells Fargo Autograph Card wherever Visa playing cards are accepted, together with worldwide. You additionally don’t have to fret about overseas transaction charges with this card.

Make a Wells Fargo Autograph Card cost:

• By means of your Wells Fargo on-line account or cell app

• Over the telephone with a deposit account

• Western Union Fast Acquire

• Financial institution wire transfers

• MoneyGram

• By mail (checks or cash orders):

  • Wells Fargo Card Providers

  • P.O. Field 51193

  • Los Angeles, CA 90051-5493

You possibly can contact Wells Fargo customer support by calling the quantity on the again of your card or 1-800-642-4720 for account administration. It’s also possible to go to a Wells Fargo department. See addresses and availability by utilizing the Wells Fargo department locator.

Why we prefer it: Should you just like the Wells Fargo Autograph, however need much more of a concentrate on journey rewards and advantages, contemplate the Wells Fargo Autograph Journey. This card nonetheless has a low annual charge, however you get increased charges on lodge and airline purchases, a $50 annual airline assertion credit score, and extra sturdy journey insurance coverage perks.

Learn our full Wells Fargo Autograph Journey Card overview

Why we prefer it: The Capital One Enterprise Rewards is without doubt one of the best journey playing cards to make use of if you wish to earn precious miles on all of your purchases. With its flat 2x base incomes price, you don’t have to fret about bonus classes or whether or not a sure buy will earn greater than one other — every part earns no less than 2x miles, making this doubtlessly the one card you’ll ever want in your pockets.

Learn our full Capital One Enterprise Rewards overview

Why we prefer it: The Chase Sapphire Most popular has lengthy been the gold normal of low-cost journey rewards playing cards, and for good motive. With a number of the most precious rewards out there and a sturdy, versatile redemption system, you possibly can’t go fallacious with a traditional.

Learn our full Chase Sapphire Most popular overview

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