Wells Fargo bank cards is probably not as talked-about because the choices from Chase, American Categorical and different reward heavy-hitters, however the Wells Fargo Autograph℠ Card will give loads of of us a motive so as to add their very own autographs to an software.

There isn’t a annual charge or international transaction charges. And in the course of the first 12 months, there are not any curiosity prices, due to a 0% introductory APR provide on purchases for 12 months from account opening (17.99%, 22.99% or 27.99% variable APR thereafter). 

The Autograph card additionally earns 30,000 bonus factors for spending $1,500 in purchases within the first three months of account opening — a $300 money redemption worth — which is a extra beneficiant bonus than the Wells Fargo Lively Money® Card, one of many greatest bank cards with no annual charge. 

The cardboard’s largest energy is its 3x factors on a variety of bills: eating places, journey, gasoline stations, transit, well-liked streaming providers and cellphone plans. Different purchases qualify for a run-of-the-mill, 1x level per greenback payout. 

Regardless of the dearth of international transaction charges, this is not one of many greatest journey bank cards, as there are not any switch companions and few journey perks.

Nonetheless, if you happen to’re searching for an easy, fastened rewards construction with out an annual charge, the Autograph card is usually a nice match.

On this article

• Rewards and redemption​
• Welcome bonus​
• Introductory buy APR provide​
• Various playing cards​
• FAQs​

Rewards and redemption

The Wells Fargo Autograph card’s 3x rewards construction applies to a variety of bills:

• Eating places: eating in, ordering take out, catering and supply
• Journey: Flights, automotive leases, motels and cruises
• Automotive gasoline and energy: Fuel stations and electrical charging charges
• Transit: Subways, rideshare providers, parking and tolls
• Common streaming providers
• Telephone plans: Cell telephones and landlines 

For bills that don’t fall into these classes, the cardboard earns the usual 1x level per greenback. So, for on a regular basis bills like groceries, this isn’t the cardboard to make use of. You are higher off with the Blue Money On a regular basis® Card from American Categorical, which earns 3% money again (on as much as $6,000 spent yearly, then 1%) at U.S. supermarkets, U.S. gasoline stations and for U.S. on-line retail purchases. Money again is obtained within the type of Reward {Dollars} that may be redeemed as a press release credit score.

All of the factors you will earn utilizing the Autograph card will add up in your Wells Fargo Rewards account, and you’ll redeem them for money, journey and a variety of different choices. 

One significantly handy piece of the Wells Fargo Rewards program is the flexibility to show your factors into money at an ATM. Nonetheless, Wells Fargo Rewards has one main disadvantage: No journey switch companions. 

Welcome bonus

The Autograph’s welcome bonus is definitely inside most cardholders’ attain: Spend $1,500 in purchases inside the first three months and you will earn 30,000 bonus factors. That is a $300 money redemption worth. 

You probably have any journeys on the horizon, pay in your flight, resort, automotive rental, Uber or Lyft rides and different bills so you will rating the 3x factors on journey whereas dashing your well past the bonus threshold. Moreover, you will wish to replace your cellular phone billing with the Autograph card as your auto-pay choice. Not solely will that value enable you to hit the bonus quantity, you will additionally qualify for as much as $600 of cellular phone safety towards harm or theft (topic to a $25 deductible).

It is necessary to notice that the safety doesn’t assist if you happen to lose your cellphone; it solely applies to damages with a cellphone in your possession.

Introductory buy APR provide

Within the first 12 months of utilizing the Wells Fargo Autograph card, you’ll be able to keep away from curiosity prices due to a 0% introductory APR provide on purchases. 

You probably have any massive purchases to make, this implies you’ll be able to repay the invoice over 12 months from account opening with out accruing any further finance prices (17.99%, 22.99%, or 27.99% variable APR thereafter) so long as you make your minimal funds on time. It is a good perk, however it’s not fairly as beneficiant because the introductory APR presents connected to different rewards playing cards just like the American Categorical Blue Money On a regular basis Card and the Capital One Quicksilver Money Rewards Credit score Card.

There are playing cards with considerably longer 0% APR home windows that may be higher candidates for transferring a steadiness — particularly contemplating the Autograph would not function an intro APR provide for steadiness transfers. And do not forget that after the introductory APR interval runs out, the cardboard will cost a variable APR of 17.99%, 22.99% or 27.99% primarily based in your credit score. The one technique to make your rewards repay is to pay your invoice off each month. 

Various playing cards

The Autograph has loads of competitors, so you should definitely examine a variety of choices. For those who’re searching for the same incomes construction — or if you happen to’re prepared handy over an annual charge in trade for some larger perks — these two playing cards needs to be in your listing.

Citi Premier® Card

Whilst you’ll must pay a $95 annual charge to maintain the Citi Premier in your pockets, that value will be effectively price it to money in on a extra rewarding welcome bonus. This card pays out 80,000 bonus factors — a worth of $800 when redeemed for reward playing cards at ThankYou.com — for spending $4,000 within the first three months. 

The cardboard is nice for vacationers with 3x factors on airfare, resort and gasoline station purchases, however it’s additionally useful for at-home bills with 3x factors at supermarkets. Plus, if you happen to guide a single resort keep by way of ThankYou.com or 1-800-THANKYOU that prices $500 or extra, you will get a $100 low cost every calendar 12 months.

For extra particulars, see our Citi Premier assessment.

Wells Fargo Lively Money® Card

For those who’re contemplating the Autograph, you will additionally wish to give some consideration to Wells Fargo’s flagship cash-rewards card. The Lively Money card has a simplified incomes construction: 2% money rewards in your purchases. So, as a substitute of the 3x factors on some bills with 1x factors on others, the Lively Money card balances out your rewards incomes potential. 

There are two different key distinctions to think about. First, the welcome bonus is decrease — $200 money rewards bonus — however it’s additionally simpler to succeed in with simply $1,000 of spending in purchases required within the first three months. Second, the Lively Money Card comes with an extended 0% introductory APR interval of 15 months from account opening on each purchases and qualifying steadiness transfers (17.99%, 22.99%, or 27.99% variable APR thereafter). 

So, if you happen to’re enthusiastic about making a steadiness switch and dealing to repay your debt, it is a higher choice. Nonetheless, if you happen to’re a daily worldwide traveler, the Autograph beats the Lively Money, which prices a 3% international transaction charge.

FAQs

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