Wells Fargo Autograph – How to apply

By Raquel Oliveira • 04/11/2025

Wells Fargo Autograph is simple to use and helps you earn points on your everyday spending.

The Wells Fargo Autograph® Card is a strong option for those looking to earn rewards on everyday purchases without the burden of an annual fee. It offers 3X points on popular categories like dining, travel, and gas, along with flexible redemption options.

New cardholders can also enjoy a generous welcome bonus of 20,000 points after spending $1,000 in the first three months — equivalent to $200 in rewards, providing a great boost right from the start.

Another major advantage is the absence of foreign transaction fees, making it an excellent choice for travelers looking to save while spending internationally. Plus, the card offers a 0% introductory APR on purchases for the first 12 months.

If you’re seeking a rewards card that accelerates point earning and offers valuable benefits without annual fees, the Wells Fargo Autograph could be the ideal match. Read on to discover how it works and whether it fits your financial goals.

How does the Wells Fargo Autograph Work?

The Wells Fargo Autograph is simple to use and helps you earn points on your everyday spending. After you’re approved, you can start using the card for purchases and earning rewards right away. 

Every time you make a purchase, you’ll earn points based on the category and amount you spend. There’s no limit to the number of points you can earn.

You can track your points and spending through Wells Fargo’s online portal or mobile app. This makes it easy to manage your rewards and payments in one place. When it’s time to redeem your points, you can choose from several options, including travel, gift cards, statement credits, or using points for purchases.

To make the most of the card, pay your balance in full each month to avoid interest charges. Staying on top of your payments will help you enjoy the benefits without additional costs.

Main benefits of the Wells Fargo Autograph

One of its biggest advantages is the 3X points on key spending categories, including dining, travel, gas, transit, streaming, and phone plans. This makes it a great choice for people who frequently spend in these areas.

The 20,000-point welcome bonus is another highlight. By spending $1,000 in the first three months, you earn a reward equivalent to $200. This is an easy way to boost your points balance right away.

Additionally, the card has no foreign transaction fees. Whether you’re traveling internationally or shopping on foreign websites, you won’t have to pay extra charges on your purchases.

Lastly, the 0% introductory APR on purchases for the first 12 months provides a financial cushion for larger expenses. If you need time to pay off a purchase without interest, this feature can be especially helpful.

Cons of the Wells Fargo Autograph

While the Wells Fargo Autograph has plenty of benefits, there are a few drawbacks to consider. First, the card’s variable APR can be high after the 0% introductory period ends, ranging from 19.24% to 29.24%.

Another downside is that it doesn’t offer premium travel perks like airport lounge access or travel credits, which some higher-tier cards include. If you’re looking for luxury features, this card might not meet your needs.

Finally, while the rewards program is flexible, the value of points may not be as high as with some premium rewards cards.

APR and fees

The Wells Fargo Autograph has a straightforward fee structure. One of its best features is that it doesn’t charge an annual fee, so you can enjoy its benefits without added costs.

For the first 12 months, there’s a 0% introductory APR on purchases, making it helpful for larger purchases or managing expenses.

After the intro period, the APR is variable, ranging from 19.24% to 29.24%, based on your creditworthiness. This range is typical for many rewards cards but could be costly if you carry a balance.

The card also doesn’t charge foreign transaction fees, making it a great choice for international use. Other fees include a cash advance fee of either $10 or 5% of the amount advanced, whichever is higher, and a balance transfer fee if you move balances from other cards.

How to apply for the Wells Fargo Autograph

Applying for the Wells Fargo Autograph is quick and easy. Start by visiting the Wells Fargo website or stopping by a branch if you prefer in-person help. On the website, go to the credit cards section and choose the Autograph Card.

The application form will ask for basic information, including your name, address, Social Security number, income, and employment details. Make sure to fill everything out accurately to avoid delays.

Once you submit your application, Wells Fargo will review your credit history and financial profile. Most applications receive a decision quickly, often within minutes. In some cases, it may take a few days for a final review.

If approved, you’ll receive your card in the mail within 7–10 business days. After activating it online or through the Wells Fargo app, you can start using the card immediately to earn rewards on your purchases.

Conclusion

The Wells Fargo Autograph is a great option for anyone looking for a rewards credit card without an annual fee. With 3X points on dining, travel, gas, transit, and streaming services, it’s an excellent choice for everyday spending and frequent travelers.

The card also offers a valuable welcome bonus of 20,000 points, no foreign transaction fees, and a 0% intro APR for the first 12 months. These features make it a strong contender among no-fee rewards cards.

However, if you don’t spend much in the bonus categories, the rewards potential may be limited. Additionally, the high APR after the intro period means it’s best for users who can pay off their balance in full each month.

Overall, the Wells Fargo Autograph is a solid card for those who want a simple, high-earning rewards structure with flexible redemption options. If you’re looking for a reliable, fee-free rewards card, this one is worth considering.