Wells Fargo Autograph Card Review

Wells Fargo Autograph Card Review

Wells Fargo Autograph Card offers a limited-time offer of 20,000 bonus points when you spend $1,000 in purchases within the first 3 months. You can enjoy unlimited 3X points on popular categories such as restaurants, travel, and gas stations. You can earn 1X points on all other purchases with the Wells Fargo Autograph Card. There is a no-annual-fee credit card that rewards everyday spending across multiple categories. Look no further than the Wells Fargo Autograph Card. The card offers a 0% introductory APR on purchases for the first year.

Quick Highlights

• Wells Fargo Autograph Card offers a limited-time offer of 20,000 bonus points when you spend $1,000 in purchases within the first 3 months.
• Earn unlimited 3X points on popular categories such as restaurants, travel, and gas stations. Plus, earn 1X points on all other purchases.
• Enjoy a $0 annual fee and 0% intro APR for 12 months on purchases. After that, the variable APR will be between 24%, 25.24%, or 29.99% depending on creditworthiness.
• Receive up to $600 in cell phone protection against damage or theft with a low $25
• Use your rewards points for travel, gift cards, and statement credits, or shop at millions of online stores with PayPal.
• Take advantage of your complimentary 24/7 Visa Signature Concierge service to book travel, make dinner reservations, and more. So don’t miss this exclusive opportunity and apply now for the Wells Fargo Autograph Card.

Rewards and Benefits of Wells Autograph Card

Rewards

• Earning: 3X points on restaurants, travel, gas stations, EV charging stations, transit, select streaming services, and phone plans.
• 1X points: on all other purchases.
• Welcome bonus: Earn 20,000 bonus points after spending $1,000 in purchases within the first three months (worth $200 in cash back).
• An additional bonus: Earn an extra 1.5% cash back on everything you buy up to $20,000 spent in the first year (worth up to $300 cashback).
• Redemption: These Rewards Points can be redeemed for various options, like cashback, statement credit, travel statement credit, gift cards, and merchandise.

Benefits

• Travel benefits: Auto rental collision damage waiver: Provides secondary coverage for rental car damage.
• No foreign transaction fees: Avoid extra charges when using your card abroad.
• Travel and emergency assistance services: Get help with lost luggage, medical emergencies, and more.
• Roadside dispatch: Assistance with flat tire towing and jump starts.
• Visa Signature® Concierge services: Get help with travel arrangements, reservations, and more.
• Visa Signature® Luxury Hotel Collection: Access unique benefits at select hotels.
• Other benefits: Cellular telephone protection Covers damage or theft of your phone.
• Emergency cash disbursement and card replacement: Get emergency cash and a replacement card if your card is lost or stolen.
• Zero liability protection: This covers unauthorized charges made to your card.
• My Wells Fargo Deals: Access exclusive discounts and offers from various merchants. 

Rates and Fees

• Regular APR: 24% -25.24% to 29.99% Variable
• Intro Purchase APR: 0% from account opening for the first 12 months.
• Balance Transfer Fee: $5 or 3% for the amount of each balance transfer for the first 120 days
• Annual Fee: None
• Foreign Transaction Fee: None
• Late Payment/Penalty Fee: Up to $40
• Cash Advance Fee: Either 5% or $10 of the advance amount of each advance, whichever is greater.
• Foreign Transaction Fee: None
• Over Limit Fee: N/A

Rewards Redemption

Here’s how you can be rewarded with the Wells Fargo Rewards program, including flights, car rentals, hotel stays, gift cards, and more.

Cash Redemptions

• Direct Deposit or Paper Check: Redeem points automatically as a direct deposit to an eligible Wells Fargo account or receive a paper check (issued in $25 increments) through online banking or by calling customer service.
• Wells Fargo ATM: Withdraw rewards in $20 cash increments using your Wells Fargo ATM or Debit Card. Minimum redemption is 2,000 points.

Travel Redemptions

• Online Booking: Redeem points for various travel options like flights, hotels, and car rentals through the Wells Fargo Rewards portal. Points have a value of 1 cent each for travel redemptions.
• Custom Travel: Call Wells Fargo Rewards customer service to redeem points for sporting events, vacations, other special events, or custom travel packages.

Other Redemptions

• Statement Credit: Apply points towards your credit card statement balance. Points have a value of 1 cent each for statement credits.
• Gift Cards: Redeem points for gift cards to various retailers and brands.

Wells Fargo Autograph Card for Students

The Wells Fargo Autograph℠ Card is not explicitly designed for students. However, students who meet the credit score requirements may still be eligible to apply.

Wells Fargo Autograph Card Car Rental Insurance

Cardholders may receive car rental insurance when using their Wells Fargo AutographTM Card to pay for a rental vehicle. Terms and conditions apply, so check with your issuer for details.

Wells Fargo Autograph Card vs Active Cash

The Wells Fargo Autograph℠ Card’s focus on travel and dining rewards sets it apart from the Active Cash card, which offers flat cash back on all purchases. The best choice for you depends on your spending habits and preferences.

Wells Fargo Autograph Card vs Capital One Venture

The Capital One Venture card is another popular travel credit card, but the Wells Fargo AutographTM Card may offer more flexibility with its redemption options. Again, it depends on your specific spending habits and travel preferences.

How to Apply for a Wells Fargo Autograph Card

To apply for the Wells Fargo Autograph Card, you must first meet specific requirements, such as a high credit score and a good credit history. The application process can be completed online through the Wells Fargo website or by visiting a local branch.

In-person

Visit a Wells Fargo branch and speak with a representative.

Approval

• Credit Check: Wells Fargo will perform a hard credit inquiry on your credit report to assess your creditworthiness. This will temporarily impact your credit score.
• Approval Decision: Based on your credit score, income, debt-to-income ratio, and other factors, Wells Fargo will determine your application’s approval.
• Notification: You’ll receive notification of the decision via email or mail. Approval notifications typically arrive within a few business days.

Eligibility Criteria

Minimum Credit Score

• Good to excellent credit translates to a FICO score of 670 or higher or a Vantage Score of 661 or higher. However, a score of 700 or above is considered ideal for better approval odds.

Other Requirements

• Be at least 18 years old.
• Have a U.S. address.
• Have sufficient income to make monthly payments.
• Not having opened a Wells Fargo credit card account within the last 6 months.
• Not having too many existing Wells Fargo credit card accounts (specific limits apply).
• Be the primary account holder of an eligible Wells Fargo consumer account with a FICO® Score available and enrolled in Wells Fargo Online®. This includes various deposit, loan, and credit accounts.

Customer service

• Online chat: Available on the Wells Fargo website.
• customer service number: 1-800-642-4720

Conclusion

The Wells Fargo AutographTM Card is an excellent choice for those who enjoy luxury travel and dining experiences. With its generous intro offer, no foreign transaction fees, and various redemption options, this card offers excellent value for those with high credit scores.

However, it may not be the best fit for everyone, so compare your options and choose the card that aligns with your spending habits and goals. Let us know what you think about this card in the comments below! We’d love to hear from you. Remember, always use credit responsibly and pay your balance in full each month to avoid interest charges.

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