Wells Fargo Autograph Card Review 2026: Travelers who want bonus points on travel, dining and transit abroad without paying an annual fee.
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Our verdict
The Wells Fargo Autograph ranks second. Wells Fargo's card page lists no annual fee, no foreign transaction fee, 3x points on restaurants, travel, gas and transit, streaming and phone plans, and a 0% intro APR on purchases for 12 months followed by 18.74%, 24.74% or 28.74% variable (as of 2026-10-02). Its definition of travel is broad, covering cruise lines, campgrounds and transit. The trade-offs: no trip cancellation or similar protection is listed, only 1x elsewhere, and balance transfer and other fees are left to a separate terms document. Terms change; read Wells Fargo's Important Credit Terms before applying. For full card analysis, see Firsthand Money. We did not hold or test the card.
Score breakdown
- Value (30%)8.0/10
- Experience (25%)7.0/10
- Flexibility (20%)6.0/10
- Transparency (15%)6.0/10
- Service (10%)7.0/10
Scored per our review methodology.
Who it's for
Best for: Travelers who want bonus points on travel, dining and transit abroad without paying an annual fee..
Pricing
No annual fee, no foreign transaction fee, 0% intro APR on purchases for 12 months, then 18.74%, 24.74% or 28.74% variable APR (as of 2026-10-02).
| Plan | Price | Notes |
|---|---|---|
| Annual fee | $0 (as of 2026-10-02) | No foreign transaction fee. |
| Purchase APR | 0% intro for 12 months, then 18.74%, 24.74% or 28.74% variable (as of 2026-10-02) | Intro APR applies to purchases from account opening. |
| Welcome offer | 20,000 points after $1,000 spend in 3 months (as of 2026-10-02) | Wells Fargo's own example values points at $0.01 each. |
What the evidence says
- No annual fee; no foreign transaction fee; 0% intro APR for 12 months on purchases, then 18.74%, 24.74% or 28.74% variable; 20,000 bonus points after $1,000 in 3 months; 3x on restaurants, travel, gas and transit, streaming and phone plans; cell phone protection up to $600 with a $25 deductible (as of 2026-10-02). (Wells Fargo, Autograph card page (official))
- Travel includes airline, hotel/motel, timeshare, auto rental, cruise lines, travel agencies, discount travel sites and campgrounds; transit includes passenger railway, taxis, limousines, ferries, tolls and parking. (Wells Fargo, Autograph card page (official))
Pros & cons
Pros
- 3x points on restaurants, travel, gas and transit, streaming services and phone plans with no annual fee (as of 2026-10-02)
- Wide published travel category: airlines, hotels, timeshares, car rental, cruise lines, travel agencies, discount travel sites and campgrounds, plus transit such as trains, taxis, ferries, tolls and parking
- Cell phone protection of up to $600 against damage or theft, subject to a $25 deductible
- No foreign transaction fee
Cons & red flags
- Only 1x point on purchases outside the bonus categories
- The card page does not show a balance transfer fee, cash advance fee or late fee; you must open Wells Fargo's Important Credit Terms to find them
- No travel insurance such as trip cancellation is listed on the card page, and the intro APR covers purchases only, for 12 months
How it compares
Wells Fargo Autograph Card scores 7.0/10 in our travel cards evaluation. See where it lands in the full ranking: Best No Foreign Transaction Fee Travel Cards of 2026.
- Chase Sapphire Preferred Card review — 7.4/10, travelers who will use the trip cancellation and rental car cover and can get more than $95 a year from the points and hotel credit.
- Bank of America Travel Rewards Credit Card review — 6.9/10, travelers who want a simple no-fee card with no foreign transaction fees and a long 0% intro period.
Frequently asked questions
Does the Wells Fargo Autograph have foreign transaction fees?
No. Wells Fargo's card page lists no foreign transaction fee and no annual fee (as of 2026-10-02).
What counts as travel for the Autograph's 3x points?
Wells Fargo defines travel as airlines, hotels and motels, timeshares, car rental, cruise lines, travel agencies, discount travel sites and campgrounds, and transit as trains, taxis, limousines, ferries, tolls, and parking lots and garages.
Does the Autograph include travel insurance?
The card page we read lists cell phone protection (up to $600, $25 deductible) but no trip cancellation or similar travel cover. Check Wells Fargo's benefit terms for the current list.
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