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Credit Card Review🧭 Best No-Fee Travel

Wells Fargo Autograph® Card

Issued by Wells Fargo

3x dining, travel, gas, transit, streaming & phone plans; 1x elsewhere — plus 20,000 points after $1,000 spend in 3 months.

At a Glance

Annual Fee

$0

Purchase APR

18.49%–28.49%

Rewards Rate

3x dining, travel, gas, transit, streaming & phone plans; 1x elsewhere

Min. Credit Score

670+ (est.)

Intro APR

0% intro APR on purchases for 12 months

Sign-Up Bonus

20,000 points after $1,000 spend in 3 months

Rates & Fees

Annual Fee

$0

Purchase APR

18.49%–28.49% variable

Intro APR

0% intro APR on purchases for 12 months

Foreign Transaction Fee

None

Balance Transfer Fee

3% intro for 120 days, then up to 5% ($5 minimum)

Cash Advance Fee

5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $40

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Wells Fargo Autograph® Card would earn you per year (this doesn't include any one-time sign-up bonus).

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$0/mo$1,500/mo
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$0/mo$1,500/mo
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$0/mo$1,500/mo
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$0/mo$1,500/mo
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$0/mo$1,500/mo
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$0/mo$3,000/mo

Est. Annual Rewards

$390/yr

After $0 Annual Fee

$390/yr

Based On

$1,950/mo

Key Features

Six broad 3x everyday categories

Cell phone protection when the monthly bill is paid with the card

No annual or foreign transaction fee

Pros & Cons

Pros

  • Strong no-fee travel and dining earn rate
  • Useful phone protection
  • Intro purchase APR

Tradeoffs

  • No airport lounge access
  • Travel redemption value is simpler than premium transferable-points cards

How to Apply

Check whether your credit profile is a reasonable fit — Wells Fargo generally looks for applicants around 670+ FICO for the Wells Fargo Autograph® Card, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Wells Fargo's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Wells Fargo Autograph® Card$018.49%–28.49%3x dining, travel, gas, transit, streaming & phone plans; 1x elsewhere
Chase Sapphire Preferred®$9521.49%–28.49%5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel
Chase Sapphire Reserve®$79519.49%–29.99%3x travel & dining worldwide
Capital One Venture X$39519.49%–28.49%10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Frequently Asked Questions

What credit score do I need for the Wells Fargo Autograph® Card?

Wells Fargo generally looks for applicants with a credit score around 670+ for the Wells Fargo Autograph® Card, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Wells Fargo Autograph® Card?

The Wells Fargo Autograph® Card has no annual fee, so there's no ongoing cost to keep the card open.

Does the Wells Fargo Autograph® Card have a sign-up bonus?

Yes — new cardholders can currently earn 20,000 points after $1,000 spend in 3 months. Bonus terms and required spend change over time, so confirm the current offer on Wells Fargo's site before applying.

What fees should I watch for on the Wells Fargo Autograph® Card?

Beyond the annual fee, check the foreign transaction fee (None), balance transfer fee (3% intro for 120 days, then up to 5% ($5 minimum)), cash advance fee (5% or $10 minimum, whichever is greater), and late payment fee (Up to $40). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Wells Fargo Autograph® Card compare to similar cards?

The Wells Fargo Autograph® Card is one of several travel cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of travel cards for more options.

Other Credit Cards

Chase Sapphire Preferred®

5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel

Chase Sapphire Reserve®

3x travel & dining worldwide

Capital One Venture X

10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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