Wells Fargo Autograph Card
The Wells Fargo Autograph Card has no annual fee and no foreign transaction fee 2. It earns 3 points per $1 at restaurants, on travel, gas and EV charging, transit, listed streaming services and phone plans, and 1 point per $1 on other net purchases, and Wells Fargo lists cell phone protection of up to $600 per claim among its benefits 123.
Contents11 sections
At a glance
| Annual fee | $02 |
|---|---|
| Foreign transaction fee | None2 |
| Rewards | Earns unlimited 3X points on restaurants, travel, gas and EV charging, transit, popular streaming services and phone plans, and 1X on other purchases. |
| Rewards program | Wells Fargo Rewards |
| Network | Visa Signature |
| Issuer | Wells Fargo · Official card page |
What to know about the Autograph
Whether a purchase earns 3X depends on the merchant's Visa category code rather than on what was bought 1. Bakeries, grocery stores and third-party delivery services may not count as restaurants, and fuel bought at superstores, warehouse clubs, grocery stores, auto repair shops or car washes may miss the bonus 1. Streaming qualifies only for services listed at wellsfargo.com/autographstreaming, and bundled or third-party-billed subscriptions may not; handsets, accessories and third-party-billed plans may not earn the phone-plan bonus 1. Everything else earns 1 point per $1 of net purchases 2.
Points stay valid while the account is open 2. They can be redeemed as cash, for gift cards, travel or charitable donations, through Pay with Rewards, or transferred online to participating travel loyalty programs at 1 Wells Fargo point to 1 partner mile, point or credit unless Wells Fargo states otherwise 2. The product page says every points transfer is final 1.
For phone coverage, the monthly wireless bill has to be charged to the card; protection starts the first day of the following calendar month and pays up to $600 a claim after a $25 deductible, capped at 2 paid claims and $1,200 per 12 months 3. Missing phones with no sign of theft, cosmetic damage and cracked screens that do not affect function, tablets and smartwatches fall outside it, and the guide describes it as supplemental to and excess of other valid insurance 3.
Rental cars paid in full with the card, with the counter's collision coverage declined, are protected up to $50,000 against damage or theft; that protection is secondary within the United States and primary elsewhere, for rentals of up to 15 consecutive days in the U.S. and 31 outside it 3. Roadside Dispatch is pay-per-use, and Autograph cardholders also get access to Autograph Card Exclusives ticket offers for live events, with limited availability on a first come, first served basis 31.
Earning rewards
| Rate | On |
|---|---|
| 3x points per $1 | Restaurants (eating places and restaurants, drinking places, fast food restaurants, caterers)1 base point plus 2 bonus points; bakeries, grocery stores and third-party delivery services may not earn bonus points1 |
| 3x points per $1 | Travel (airline, hotel/motel, timeshare, vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds)1 base point plus 2 bonus points; based on Visa merchant category code1 |
| 3x points per $1 | Gas stations, automated fuel dispensers and electric vehicle charging stations1 base point plus 2 bonus points; purchases at superstores, warehouse clubs, grocery stores, auto repair and car washes may not earn bonus points1 |
| 3x points per $1 | Transit (passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages)1 base point plus 2 bonus points; based on Visa merchant category code1 |
| 3x points per $1 | Popular streaming services (as listed at wellsfargo.com/autographstreaming)1 base point plus 2 bonus points; only listed services; bundled or third-party-billed streaming may not earn bonus points1 |
| 3x points per $1 | Phone plans (landline and cell phone providers)1 base point plus 2 bonus points; phones, accessories, add-on services and third-party-billed plans may not earn bonus points1 |
| 1x points per $1 | Other net purchases2 |
Points do not expire while the account is open. Points can be redeemed for cash redemption, gift cards, travel, charitable donations, Pay with Rewards, or transferred online to participating travel loyalty programs at 1 Wells Fargo Rewards point to 1 partner mile/point/credit unless stated otherwise.2
Travel insurance and assistance
| Rental car coverage | Auto Rental Collision Damage Waiver: up to $50,000 for damage or theft of the rental car. Secondary in the United States; primary outside the United States. Must pay the entire rental with the card and decline the rental company's collision loss/damage insurance. Rentals up to 15 consecutive days in the U.S. and 31 consecutive days outside the U.S.; not available in Israel, Jamaica, the Republic of Ireland or Northern Ireland.3 |
|---|---|
| Travel and emergency assistance | Travel and Emergency Assistance Services: 24/7 referral and assistance (medical and legal referral, emergency transportation, ticket replacement, lost luggage locator, translation, prescription assistance, pre-trip information). Assistance and referral only; the cardholder pays for any services or goods.3 |
| Roadside assistance | Roadside Dispatch: pay-per-use roadside assistance (towing up to 5 miles included in the service call, tire change, jump start, lockout, fuel delivery up to 5 gallons plus fuel cost, winching) at a pre-negotiated price per service call. Costs are paid by the cardholder; no membership or enrollment required.3 |
Purchase and phone protection
| Cell phone protection | Up to $600 per claim for damage, theft or involuntary and accidental parting of a cell phone; maximum 2 paid claims and $1,200 per 12-month period; $25 deductible per claim. Must pay the monthly wireless bill with the card. Lost (mysteriously disappeared) phones, cracked screens/cosmetic damage not affecting function are not covered. Coverage is supplemental to and excess of valid and collectible insurance or indemnity.3 |
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Travel perks
| Hotel benefits program | Visa Signature Luxury Hotel Collection: when booked through the Visa Luxury Hotel Collection site or Visa Concierge, benefits such as best available rate guarantee, room upgrade on arrival when available, complimentary Wi-Fi when available, breakfast for two, a $25 food or beverage credit, VIP guest status and late check-out on request when available.3 |
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Account features
| Zero fraud liability | Zero Liability Protection: not held responsible for promptly reported unauthorized transactions, subject to certain conditions.1 |
|---|---|
| Free credit score | Credit Close-Up: monthly FICO Score updates and personalized credit insights, complimentary to Wells Fargo Online customers who enroll.1 |
Other perks
| Points transfer to travel loyalty programs | Wells Fargo Rewards points can be transferred online to participating travel loyalty programs; 1 Wells Fargo Rewards point equals 1 partner mile, point or credit unless stated otherwise. Transfers are final.21 |
|---|---|
| Visa Signature Concierge Services | Complimentary 24/7 Visa Signature Concierge for booking travel, event tickets, dinner reservations and more; cardholder pays for any goods or services arranged.3 |
| Emergency Cash Disbursement and Card Replacement | Emergency cash advance or card replacement within one to three business days (in some cases within 24 hours) after issuer approval, via Visa Global Customer Care Services; cash advance fees and interest apply.3 |
| My Wells Fargo Deals | Activate personalized merchant deals and earn cash back as an account credit when paying with an eligible Wells Fargo credit card; credit appears within 60 days of the qualifying transaction.1 |
| Autograph Card Exclusives | Access to tickets to live events for Wells Fargo Autograph-branded cardholders; limited availability, first come first served; transportation and accommodation not included.1 |
Not listed for this card
The Wells Fargo pages and benefit terms we checked for the Autograph do not list these benefits:
- Trip cancellation and interruption
- Trip delay
- Baggage delay
- Lost or damaged luggage
- Travel accident insurance
- Emergency evacuation and medical
- Purchase protection
- Extended warranty
- Return protection
- Airport lounge access
- Global Entry or TSA PreCheck credit
Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.
Sources
- 1 Wells Fargo, Wells Fargo Autograph Card product page Checked Oct 10, 2026 · Back to text ↑
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