Wells Fargo Autograph Card overview
The Wells Fargo Autograph® Card (see rates and fees) offers bonus points in popular spending categories, straightforward redemptions at a flat rate and several valuable benefits that aren’t common on cards with no annual fee. Card rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The Wells Fargo Autograph card is a popular option for those who want a credit card with no annual fee, travel and shopping protections and a quality earning structure. Additional eyes have been on the card ever since Wells Fargo launched transfer partners, allowing cardholders to get maximum value from their points.
The fact that the Autograph Card has no annual fee means there’s no cost for keeping it in your wallet, so you can enjoy benefits like cellphone protection and complimentary access to your credit score for no added cost, among other perks. We recommend a credit score of 670 or higher for this card.
Here’s a closer look at the Wells Fargo Autograph Card.
Wells Fargo Autograph pros and cons
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Wells Fargo Autograph card welcome offer
Earn 20,000 bonus points after spending $1,000 or more in purchases in the first three months from account opening with the Wells Fargo Autograph.
According to TPG’s July 2025 valuation, Wells Fargo points are worth 1.6 cents per point, making this offer worth $320 when redeemed for travel.
There are positives and negatives to these redemption options.
On the plus side, you never have to guess what your points will be worth when you use them. Using these redemption options means you’ll always get a value of 1 cent per point.
On the negative side, these aren’t the best redemption options, since you can get more value from your points by taking advantage of Wells Fargo’s transfer partners.
: Wells Fargo Rewards program: How to earn, redeem and transfer points
Transferring points with the Wells Fargo Autograph card
With the Wells Fargo Autograph, you’ll be able to enjoy access to transfer partners to maximize the value of your points. Wells Fargo has the following transfer partners:
While this list isn’t nearly as long as other credit issuers’, it’s still a good selection. Wells Fargo will likely add additional partners in the future, so keep a close eye on this list.
: Credit card transfer partners: Guide to transferring points and miles to airlines and hotels
Which cards compete with the Wells Fargo Autograph card?
When considering cards that compete with the Wells Fargo Autograph, two types immediately come to mind: cards that earn transferable rewards and credit cards with similar earning structures.
For additional options, check out our full list of the best travel cards.
Read more: Chase Sapphire Preferred vs. Capital One Venture Rewards
Is the Wells Fargo Autograph card worth it?
The Wells Fargo Autograph is best for those who want a no-annual-fee card with good benefits like cellphone protection and credit score access. This card grants access to a quality selection of transfer partners, making it a great fit for travel beginners and enthusiasts alike.
Bottom line
We rarely see a card without an annual fee that offers multiple protections and strong earning categories.
Those looking for a card with no annual fee and access to transfer partners may enjoy the Wells Fargo Autograph. If you’re looking for a card that offers more transfer partners, however, going with another issuer, like Chase or Capital One, makes more sense.
Apply here: Wells Fargo Autograph