Wells Fargo Autograph Card Overview

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Overview

If you happen to’re in search of substantial rewards out of your bank card, you might join the Wells Fargo Autograph Card. As the newest inclusion in Wells Fargo’s array of shopper bank cards, this card proves to be a beneficial alternative for these needing an on a regular basis rewards card. With no annual price, it presents a gorgeous possibility for budget-conscious people. The cardboard presents commendable factors accrual charges for eating, gasoline, journey, and transportation bills. Moreover, the Wells Fargo Autograph Card offers a noteworthy sign-up bonus, enhancing its enchantment as a rewarding bank card possibility. Learn on for our in-depth assessment and evaluation of the cardboard.

Wells Fargo Autograph Card
  • Choose “Apply Now” to make the most of this particular supply and study extra about product options, phrases and circumstances.
  • Restricted time supply: Earn 30,000 bonus factors once you spend $1,500 in purchases within the first 3 months – that is a $300 money redemption worth.
  • Earn limitless 3X factors on the issues that actually add up – like eating places, journey, gasoline stations, transit, common streaming companies, and cellphone plans. Plus, earn 1X factors on different purchases.
  • $0 annual price.
  • 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • As much as $600 of cellular phone safety towards injury or theft. Topic to a $25 deductible.
  • Redeem your rewards factors for journey, reward playing cards, or assertion credit. Or store at tens of millions of on-line shops and redeem your rewards once you take a look at with PayPal.
  • Discover tickets to high sports activities and leisure occasions, guide journey, make dinner reservations and extra along with your complimentary 24/7 Visa Signature® Concierge.
Intro APR
0% on Purchases
Intro APR Interval
12 months from account opening
Annual Price (charges & charges)
$0
Credit score Wanted
Wonderful, Good

Card Advantages

Signal-up Bonus

After spending $1,500 inside the first three months of opening your account, you qualify for a welcome bonus of 30,000 factors. When these factors are redeemed, the bonus equates to $300. This welcome supply serves as a noteworthy incentive, offering a 20% reward on the preliminary $1,500 in purchases made through the first three months. The bonus might be credited to your account inside one to 2 billing durations after you may have met the qualifying standards.

Learn how to Earn Rewards with Wells Fargo Autograph

Wells Fargo Autograph Card offers a profitable 3X rewards system for a spread of widespread purchases. You possibly can earn 3 factors for each greenback spent on numerous necessities, together with eating bills at eating places, journey prices, gasoline purchases, transit, cellphone plans, and common streaming companies. Moreover, you’ll accrue 1 level for every greenback spent on all different purchases.

What units this card aside is its distinctive mixture of 3X rewards throughout these on a regular basis classes. Notably, the Autograph Card stands out as probably the one rewards card providing 3X factors concurrently in such common and various spending areas. The inclusion of cellphone plans as a definite and beneficial bonus class is very noteworthy, contemplating that some households spend as a lot on cellphone plans as they do on eating out. One other benefit is the simplicity of not having to observe or enroll in rotating classes, as these 3X rewards are relevant all through your entire 12 months.

An Instance Calculation of Rewards

As an example, suppose you spend $18,000 on purchases eligible for 3X rewards and $12,000 on all different bills inside a 12 months. On this state of affairs, you’ll accumulate a complete of 66,000 rewards factors. When redeemed, these factors translate into $660 in money again for your entire 12 months. Using our bank card rewards calculator may also help you establish the potential rewards you may obtain based mostly in your particular spending patterns.

Spending Class Spending Money Redemption Worth Internet Spending (after Redemption for Money Rewards)
3X Rewards: Eating Out, Journey, Gasoline, Transit, Streaming Companies, Cellphone Plans $18,000.00 $540.00 $17,460.00
All the things Else $12,000.00 $120.00 $11,880.00
Whole $30,000.00 $660.00 $29,340.00

Wells Fargo Autograph Card Rewards Calculation Chart

Learn how to Redeem Wells Fargo Rewards

You possibly can redeem your Wells Fargo rewards factors in a wide range of methods, together with assertion credit score, reward playing cards, journey, and so forth. To redeem factors, merely log in to your on-line Wells Fargo bank card account and click on the “Wells Fargo Rewards” hyperlink. Your rewards factors is valued at a price of 1 cent per level.

When redeeming factors for assertion credit, you might redeem as much as the complete worth of your rewards. And you’ll obtain the credit score to a Wells Fargo account of yours, reminiscent of bank card, checking account, and mortgage. Alternatively, you might use rewards factors to pay for purchases, reminiscent of flights, accommodations, merchandises, and so forth. Just like assertion credit, you might use as much as the complete quantity of your rewards factors when redeeming for purchases.

You might also redeem factors for reward playing cards of your favourite shops, together with Amazon, Apple, House Depot, and so forth. Present playing cards can be found in increments of $25, equal to increments of two,500 rewards factors. As an incentive, Wells Fargo typically runs restricted time presents to offer you 10% off on choose reward playing cards. This could can help you redeem each 2,250 factors for a $25 reward card. As of November 2023, over a dozen procuring reward playing cards can be found at 10% low cost, together with Apple, House Depot, Macy’s, McDonald’s, and so forth.

For instance, when you have 9,351 rewards factors, you’ll be able to redeem the entire factors for $93.51 in assertion credit to publish to a qualifying Wells Fargo account. Then again, in the event you select reward playing cards, you might redeem 7,500 factors for $75 reward playing cards, leaving 1,851 factors in your account. However in the event you select these reward playing cards with 10% low cost, you’ll be able to truly obtain $100 reward playing cards by utilizing solely 9,000 factors and nonetheless retaining 351 factors.

Wells Fargo Rewards Redemption

Journey Advantages

No International Transaction Charges

As a result of there aren’t any overseas transaction charges with Wells Fargo Autograph Card, it’s a nice cost card for worldwide journey. This card may show you how to get monetary savings while you’re on trip since these charges usually account for round 3% of worldwide purchases.

Rental Automobile Protection

Wells Fargo Autograph Card will cowl any loss or injury to your rental automotive, as much as $50,000, offered you cost the entire value of the rental automotive to the cardboard and refuse the rental firm’s insurance coverage. It’s essential to bear in mind, nonetheless, that this protection is secondary to your insurance coverage coverage in america, which implies that it gained’t start to pay out till after your major auto insurance coverage has been used. Exterior america, the place this profit is out there, the protection is major even when you have one other insurance coverage coverage.

Roadside Help

Wells Fargo Autograph Card additionally offers its card members with Roadside Dispatch, a pay-per-use roadside help program. For a set value per name, you’ll have entry to roadside help companies reminiscent of towing, tire altering, bounce beginning, lockout service, gasoline supply, winching. It offers you safety and comfort wherever your travels take you.

Extra Perks

Mobile phone safety

You possibly can rise up to $600 in cellular phone safety in the event you use Wells Fargo Autograph Card to pay your month-to-month cellular phone invoice. It has a $25 deductible and covers each theft and injury to cell telephones.

24/7 Visa Signature Concierge service

Wells Fargo Autograph Card comes with 24/7 Visa Signature Concierge, permitting its cardholders to entry a large number of companies. Whether or not you’re searching for tickets to premier sports activities and leisure occasions, planning journey preparations, or making dinner reservations, the concierge service is at your disposal to streamline these duties and extra. You possibly can benefit from the comfort of a devoted service prepared to help you across the clock.

My Wells Fargo Offers

It’s also possible to discover customized offers by My Wells Fargo Offers and unlock unique presents from a spread of retailers. This handy platform offers tailor-made offers that allow you to earn money again as an account credit score once you use Wells Fargo Autograph Card for procuring, eating, or having fun with numerous experiences. For instance, you might get 10% money again from Panera Bread, Doordash, 4 Factors accommodations by Marriott, 5% money again from Walmart, 2% money again from Texaco.

My Wells Fargo Deals

Complementary FICO Rating and Credit score Monitoring

Wells Fargo Autograph Card additionally offers complimentary Credit score Shut-Up, a instrument that equips you with the information to understand and monitor your FICO Rating. By enrolling, you achieve entry to month-to-month FICO Rating updates and customized credit score insights. This beneficial service is complimentary for Wells Fargo On-line prospects, and relaxation assured, using it is not going to have a unfavorable affect in your credit score rating.

Charges and 0% APR

Wells Fargo Autograph Card has no annual price and no overseas transaction charges, making it an ideal card to maintain with out the burden of value. Moreover, it presents 0% introductory APR on purchases for 12 months from account opening after account opening. After the intro interval ends, the go-to price of 20.24%, 25.24%, or 29.99% Variable APR thereafter applies.

Required Credit score Score

Wells Fargo Autograph Card is tailor-made for patrons with glorious or good credit score. When making use of, it’s really helpful to have a FICO Rating of no less than 700. Your credit score rating is among the many numerous components thought-about through the utility course of.

Is Wells Fargo Autograph Card the proper card for you?

If you happen to’re in the hunt for a reliable bank card with out an annual price that gives substantial rewards for on a regular basis purchases, think about acquiring Wells Fargo Autograph Card. The enticing options, together with the incomes price, welcome bonus, quite a few journey advantages and perks, together with the low introductory APR on purchases, collectively improve the enchantment of this bank card supply.

Comparable Rewards Credit score Playing cards

If you’re involved in Wells Fargo Autograph Card, you may additionally think about just a few different bank cards with comparable advantages.

Journey Rewards Credit score Playing cards

Credit score Card Bonus and Rewards Annual Price
Citi Premier Card

Citi Premier® Card

  • 60,000 bonus ThankYou Factors after you spend $4,000 in purchases inside the first 3 months of account opening. Plus, for a restricted time, earn a complete of 10 ThankYou Factors per $1 spent on lodge, automotive leases, and sights (excluding air journey) booked on the Citi Journey portal by June 30, 2024.
  • 3 Factors per $1 spent at Gasoline Stations, Air Journey and Different Resorts
  • 3 Factors per $1 spent at Eating places and Supermarkets
  • 1 Level per $1 spent on all different purchases
  • $95
    Chase Sapphire Preferred Card

    Chase Sapphire Most popular® Card

  • 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That is $750 once you redeem by Chase Final Rewards.
  • Take pleasure in advantages reminiscent of 5x on journey bought by Chase Final Rewards, 3x on eating, and 2x on all different journey purchases, and $50 annual Final Rewards Lodge Credit score, plus extra.
  • $95
    Bank of America Premium Rewards Credit Card

    Financial institution of America® Premium Rewards® bank card

  • Obtain 60,000 on-line bonus factors – a $600 worth – after you make no less than $4,000 in purchases within the first 90 days of account opening.
  • Limitless 2 factors for each $1 spent on journey and eating purchases and limitless 1.5 factors for each $1 spent on all different purchases. No restrict to the factors you’ll be able to earn and your factors do not expire.
  • If you happen to’re a Financial institution of America Most popular Rewards member, you’ll be able to earn 25%-75% extra factors on each buy. Which means you could possibly earn 2.5-3.5 factors on journey and eating purchases and 1.87-2.62 factors on all different purchases, for each $1 you spend.
  • $95

    Restaurant Rewards Credit score Playing cards

    Credit score Card Bonus and Rewards Annual Price
    Chase Freedom Unlimited

    Chase Freedom Limitless®

    Limitless 1.5% money again is only the start of what you’ll be able to earn. You may get pleasure from 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply companies, 5% money again on journey bought by Chase Final Rewards, our premier rewards program that permits you to redeem rewards for money again, journey, reward playing cards and extra; and 1.5% money again on all different purchases. $0
    Costco Anywhere Visa Card by Citi

    Costco Anyplace Visa® Card by Citi

  • 4% money again on eligible gasoline and EV charging purchases for the primary $7,000 per 12 months after which 1% thereafter
  • 3% money again on eating places and eligible journey purchases
  • 2% money again on all different purchases from Costco and Costco.com
  • 1% money again on all different purchases
  • $0
    Ink Business Cash Credit Card

    Ink Enterprise Money® Credit score Card

  • $900 bonus money again after you spend $6,000 on purchases within the first 3 months from account opening
  • 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on web, cable and cellphone companies every account anniversary 12 months
  • 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary 12 months. Earn 1% money again on all different purchases
  • $0

    Gasoline Rewards Credit score Playing cards

    Credit score Card Bonus and Rewards Annual Price
    Bank of America Customized Cash Rewards Credit Card

    Financial institution of America® Custom-made Money Rewards bank card

  • $200 on-line money rewards bonus after you make no less than $1,000 in purchases within the first 90 days of account opening.
  • 3% money again within the class of your alternative – now with expanded classes, computerized 2% at grocery shops and wholesale golf equipment (as much as $2,500 in mixed alternative class/grocery retailer/wholesale membership quarterly purchases) and limitless 1% on all different purchases.
  • 3% money again on Gasoline (to now embody Electrical Car Charging (EVC) Stations) and On-line Buying (to now embody Cable, Streaming, Web and Cellphone Companies).
  • If you happen to’re a Most popular Rewards member, you’ll be able to earn 25%-75% extra cash again on each buy. Which means you could possibly earn 3.75%-5.25% money again on purchases in your alternative class.
  • $0
    Citi Rewards+ Card

    Citi Rewards+® Card

  • 20,000 bonus factors after you spend $1,500 in purchases along with your card inside 3 months of account opening; redeemable for $200 in reward playing cards at thankyou.com
  • 2X ThankYou Factors at Supermarkets and Gasoline Stations for the primary $6,000 per 12 months after which 1X Factors thereafter. Plus, earn 1X ThankYou Factors on All Different Purchases.
  • $0
    Citi Custom Cash Card

    Citi Customized Money® Card

  • $200 money again after you spend $1,500 on purchases within the first 6 months of account opening. This bonus supply might be fulfilled as 20,000 ThankYou Factors, which will be redeemed for $200 money again.
  • 5% money again on purchases in your high eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter. Additionally, earn limitless 1% money again on all different purchases.
  • $0

    No Annual Price Credit score Playing cards

    Credit score Card Bonus and Rewards Annual Price
    Wells Fargo Active Cash Card

    Wells Fargo Lively Money® Card

  • $200 money rewards bonus after spending $500 in purchases within the first 3 months.
  • Limitless 2% money rewards on purchases.
  • $0
    charges & charges
    Bank of America Travel Rewards Credit Card

    Financial institution of America® Journey Rewards bank card

  • Limitless 1.5 factors per $1 spent on all purchases, with no annual price and no overseas transaction charges and your factors do not expire.
  • 25,000 on-line bonus factors after you make no less than $1,000 in purchases within the first 90 days of account opening – that may be a $250 assertion credit score towards journey purchases.
  • If you happen to’re a Most popular Rewards member, you’ll be able to earn 25%-75% extra factors on each buy. Which means as a substitute of incomes an infinite 1.5 factors for each $1, you could possibly earn 1.87-2.62 factors for each $1 you spend on purchases.
  • $0
    Citi Double Cash Card

    Citi Double Money® Card

  • $200 money again after you spend $1,500 on purchases within the first 6 months of account opening. This bonus supply might be fulfilled as 20,000 ThankYou Factors, which will be redeemed for $200 money again.
  • 2% on each buy with limitless 1% money again once you purchase, plus an extra 1% as you pay for these purchases. To earn money again, pay no less than the minimal due on time. Plus, for a restricted time, earn 5% complete money again on lodge, automotive leases and sights booked on the Citi Journey portal by 12/31/24.
  • $0


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