Wells Fargo Autograph: worth a spot in your wallet?
The honest math on the Wells Fargo Autograph Card: what its points earn beyond a plain 2% card and what its protections would cost to buy.
Wells Fargo · No annual fee · earns Wells Fargo Rewards
Where it ranks: #3 of 4 for internet, phone & cable
Earning rates
- 3x Restaurants, bars, takeout & catering
- 3x Airlines
- 3x Hotels, motels, campgrounds & timeshares
- 3x Car rentals, cruises, travel agencies & transit
- 3x Gas stations & EV charging
- 3x Streaming services & entertainment
- 3x Cell phone & landline providers
- 1x Everything else
Protections and perks (3)
- No Foreign Transaction Fees — No surcharge on purchases abroad — unlike the sibling Active Cash and Reflect cards, which both charge 3%.
- Cell Phone Protection — Up to $600 per claim for damage or theft when you pay your monthly cell phone bill with the card ($25 deductible).
- Auto Rental Collision Damage Waiver — Collision/theft coverage on rentals paid with the card, up to $50,000 — secondary to your personal auto policy in the US, primary outside the US.
Recent changes to this card's data
2026-09-14 — Wells Fargo Autograph Card
- Verified accurate — no changes. Fee, bonus categories, no foreign transaction fee, cell phone protection, and rental car coverage re-confirmed against wellsfargo.com and the card's Guide to Benefits.
2026-08-21 — Wells Fargo Autograph Card (new card)
- Added new card
wells-fargo-autograph. $0 annual fee, Visa, earning Wells Fargo Rewards points. Source: https://www.wellsfargo.com/credit-cards/autograph-visa/terms/?lang=en - Earning: unlimited 3x on six bonus categories (Food/Drink, Travel, Fuel/EV Charging, Telecommunication, Transport, Entertainment), 1x on everything else, no bonus-category caps found. Wells Fargo's broad Travel + Transport categories are split across the app's travel buckets, and each rate carries its category exclusions (no third-party delivery apps for dining, no bundled/third-party-billed streaming, no phone accessories/insurance, no superstore/grocery/warehouse gas). Source: https://www.wellsfargo.com/credit-cards/autograph-visa/terms/?lang=en
- Point values: cash/statement-credit/gift-card/travel-portal floor at 1.0 cents/point (default), airline transfer partners at 1.3 cents/point — deliberately lower than the ~1.7-2.0¢ used for Amex/Capital One, since this card's partner list is thinner. Partner list (1:1 to Aer Lingus, Air France-KLM Flying Blue, Avianca, British Airways, Cathay Pacific, Iberia, JetBlue, Virgin Atlantic, Virgin Red; 1:2 to Choice Privileges and Wyndham Rewards) is secondary-confirmed only — Wells Fargo's own page names no partners. Source: https://awardwallet.com/credit-cards/wells-fargo-rewards/wells-fargo-autograph/
- Coverage: no foreign transaction fees (a real differentiator from the sibling Active Cash and Reflect cards, which both charge 3%), cell phone protection ($600/claim, $25 deductible, 2 claims/$1,200 per 12 months), and secondary auto rental CDW (up to $50,000, 15 days US / 31 days international) — the latter two numerically identical to
wells-fargo-active-cash.json and wells-fargo-reflect.json. Source: https://www.wellsfargo.com/credit-cards/autograph-visa/guide-to-benefits/?lang=en - No purchase protection, extended warranty, trip delay, or trip cancellation/interruption coverage — confirmed absent from the Guide to Benefits, not omitted for lack of finding it. Source: https://www.wellsfargo.com/credit-cards/autograph-visa/guide-to-benefits/?lang=en
- Omitted as non-monetizable / not modeled elsewhere in this dataset (same convention as the sibling Wells Fargo cards): pay-per-use Roadside Dispatch, Travel and Emergency Assistance Services, Emergency Cash Disbursement & Card Replacement, My Wells Fargo Deals, Visa zero liability, Credit Close-Up FICO monitoring, Visa Signature Concierge, and the Visa Signature Luxury Hotel Collection.
- Sign-up bonus (20,000 points after $1,000 spend in 3 months) intentionally excluded — out of scope for this calculator's ongoing-value model.
Card data verified against Wells Fargo on 2026-09-14.
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