Wells Fargo Autograph® Card
No annual fee and no foreign transaction fee as of Sep 6, 2026. 3X points on restaurants, travel, gas and transit, streaming and phone plans, 1X on the rest, no caps. 20,000 bonus points after $1,000 in 3 months. 0% intro APR on purchases for 12 months, then 18.49%, 24.49% or 28.49% variable.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Five 3X categories that cover most of a normal month
- No caps on the bonus categories
- No foreign transaction fee, so it travels
- 12 months of 0% intro APR on purchases for a planned large buy
- Annual fee $0 as of Sep 6, 2026
- 0% intro APR on purchases for 12 months from account opening, then 18.49%, 24.49% or 28.49% variable
- Foreign transaction fee $0
- Balance transfer and cash advance terms are not published on the product page, read the disclosures in the application
- Apply if your spending is spread across food, gas, transit and subscriptions and you do not want to pay for the privilege. If your spending is concentrated in one category, a flat 2% card may beat it.
Five bonus categories, zero annual fee
Most cards make you pick between a wide category list and a $0 fee. This one covers restaurants, travel, gas and transit, streaming and phone plans at 3X and still charges nothing per year, which is why it is the card we were missing next to Autograph Journey.
Where the 3X lands
Restaurants, travel, gas and transit, popular streaming services and phone plans, all at 3X with no cap, as of Sep 6, 2026.
The intro window
0% intro APR on purchases for 12 months from account opening, then 18.49%, 24.49% or 28.49% variable. The rate you get depends on your file.
Against Autograph Journey
Journey costs $95 a year and leans harder into travel. Autograph costs nothing and spreads its bonus categories wider. If you fly a few times a year, Journey wins, otherwise this one does.
What is not published
The balance transfer fee and cash advance terms are not on the product page, they appear in the application disclosures.
Comparison
| Card | Annual fee | Rewards | Bonus |
|---|---|---|---|
| Wells Fargo Autograph | $0 | 3X on five categories, 1X base | 20,000 points after $1,000 in 3 months |
| Wells Fargo Autograph Journey | $95 | Higher travel multipliers | 60,000 points after $4,000 in 3 months |
| Chase Freedom Unlimited | $0 | 1.5% base with category boosts | $200 after $500 in 3 months |
Issuer Comparison
| Wells Fargo card | Annual fee | Best for |
|---|---|---|
| Wells Fargo Autograph | $0 | Wide bonus categories at no cost |
| Wells Fargo Active Cash | $0 | Flat 2% on everything |
| Wells Fargo Autograph Journey | $95 | Frequent flights and hotels |
Reader results for this card
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.