Wells Fargo Autograph Card Review I Unlocking New Savings Opportunities

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Enjoy a whole new level of rewards with the Wells Fargo Autograph Card – 3x rewards on travel, restaurants, gas stations and more, plus no annual fee!

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Are you looking for a credit card with excellent rewards and an unbeatable price, with no annual fees? Then the Wells Fargo Autograph Card is a great option to consider! With its good to excellent credit requirement of 690-850, this card offers no reward caps and a new cardholder bonus offer.

Plus, it has 0% intro APR on Purchases for 12 months. In this review, we will look at all the features of the Wells Fargo Autograph Card and explain if it’s worth your while to get one. 

So, let us start without wasting your time.

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QUICK FACTS about wells Fargo autograph℠ card

• You can earn unlimited 3X points on restaurants, travel, gas station, transit, popular streaming service, and phone plan purchases. Plus, you’ll get 1X points on other purchases.
• If you act fast, you can take advantage of a limited-time offer to earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months. That’s a $300 cash redemption value! But hurry. This offer expires on 1/10/2023.
• The annual fee for this card is $0.
• You’ll get a 0% intro APR for 12 months from account opening on purchases. After that, the APR will be 19.24%, 24.24%, or 29.24% variable.
• There is no balance transfer intro APR for this card.
• If you pay your monthly cell phone bill with this eligible Wells Fargo card, you’ll get up to $600 of cell phone protection against damage or theft (with a $25 deductible).
• You can redeem your rewards points for travel, gift cards, or statement credits. Or, you can shop at millions of online stores and redeem your rewards when you check out with PayPal.
• As a cardholder, you’ll have access to a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge.

After reading the above facts and summary, you already know about the benefits of an autograph credit card. Now, lest in the detailed review of this card.

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WHY SHOULD YOU HAVE Wells Fargo autograph℠ card IN YOUR WALLET?

Below is the top reason you should have wells Fargo’s autograph℠ card in your hand.

1. No Annual Fees

If you’re looking for a credit card that won’t cost you an extra fee each year, the Wells Fargo Autograph℠ Card – (Offer Ending Soon) might be a good option for you.

It’s rare to find a travel rewards card that offers all the benefits and rewards of this one without charging an annual fee. This means you can earn rewards on your purchases without worrying about paying an extra fee on top of everything else.

On the other hand, many credit cards with generous rewards or welcome offers charge an annual fee. This is because the credit card issuer can afford to offer more value to cardholders through rewards or perks if they charge a fee.

If you use their credit card a lot and can earn enough value in rewards to offset the annual fee, a credit card with an annual fee is still a good choice.

Ultimately, it comes down to your financial situation and how you use your credit card. If you’re comfortable paying an annual fee in exchange for valuable rewards and perks, a credit card with an annual fee might be the right choice for you.

But if you’d rather avoid yearly fees, the Wells Fargo Autograph℠ Card – or another no-annual-fee credit card might be a better fit.

2. No foreign transaction fees

It’s convenient that the Wells Fargo Autograph℠ Card – doesn’t charge foreign transaction fees.

This can be a significant advantage if you travel frequently or frequently make purchases from international merchants online.

Foreign transaction fees can add a high cost to your purchases made in a foreign currency, so having a card that doesn’t charge these fees can save you money.

In addition, the fact that the Wells Fargo Autograph℠ Card – is a Visa card means that it has wide acceptance by merchants around the world. This can make it easier to use your card while travelling, as you won’t have to worry about whether a particular merchant accepts Visa.

Overall, the lack of foreign transaction fees and the wide acceptance of Visa make the Wells Fargo Autograph℠ Card – a very travel-friendly credit card.

These features can be especially beneficial if you frequently travel internationally or purchase from international merchants.

4. Unlimited Rewards

The Wells Fargo Autograph℠ Card -offers unlimited rewards on travel purchases, a significant advantage for those who spend a lot on travel.

This means that you can earn 3x rewards on all your travel spending without considering any caps on the number of bonus rewards you can earn.

This is in contrast to other credit cards that may limit the amount of bonus rewards you can earn, after which you would only earn a lower reward rate.

Leets check; the Chase Freedom Flex℠ , with an annual fee of $0 is a cashback card offering 5% back on travel booked through Chase Ultimate Rewards.

However, this card has a cap of $1,500 per quarter on the 5% rotating bonus categories. After you spend more than $1,500 per quarter on these categories, you will only earn 1% cash back on any additional purchases.

In addition to offering unlimited rewards on travel purchases, the Wells Fargo Autograph℠ Card – Offer Ending Soon also has a perk where points do not expire as long as the card account is open.

This can be helpful for those who might only be able to use some of their points within a certain timeframe.

Overall, the unlimited rewards and lack of expiration date on points make the Autograph Card – a good choice for those who frequently travel and want to maximize their rewards.

5. Rewards Program.

The Wells Fargo Autograph Card Rewards Program is a great way to earn points on everyday purchases.

You can earn 3X points per dollar on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, you’ll get 1X points on all other purchases with no spending caps.

You can redeem your points for cash back, travel, gift cards, purchases, and statement credits through Wells Fargo Rewards. With this rewards program, you can enjoy the benefits of earning points on your everyday spending while redeeming your points for various rewards.

Here is a summary of the Rewards Program. 

You can earn unlimited 3X points per dollar on these categories:

• Restaurants
• Travel
• Gas stations
• Transit
• Popular streaming services
• Phone plans

And 1X points on all other purchases with no spending caps.

The Rewards can be redeemed for 

• cashback,
• travel,
• gift cards,
• purchases,
• and statement credits through Wells Fargo Rewards.

Whether you’re looking to save up for a trip or earn some extra cashback on your purchase, the Wells Fargo Autograph Card Rewards Program is a great way to do it.

6. Introductory Period APR

According to data from the Federal Reserve, total credit card debt in the United States reached a record high of $1.07 trillion in 2020. This represents an increase of 6% from the previous year and the highest level of credit card debt ever recorded.

So, The Wells Fargo Autograph℠ Card does offer a 0% APR introductory period on new purchases for the first 12 months. This can be useful if you are planning to make a large purchase or if you need to carry a balance for a short period.

During the intro period, you won’t have to pay any interest on new purchases, which can help you save money on finance charges.

However, it’s important to remember that once the intro period ends, the Wells Fargo Autograph℠ Card has a variable APR of 16.49%, 21.49%, or 26.49%.

You will be charged interest at the variable APR if you carry a balance on your credit card after the intro period ends.

The longer you carry a balance, the more interest you will accrue, which can result in increasing credit card debt. Additionally, if the APR on your credit card increases, you may also see an increase in your interest charges.

7. Current welcome bonus offer

So, the Autograph card offers a welcome bonus of 30,000 bonus points when you spend $1,500 in purchases in your first 3 months of card membership.

That’s a good deal, especially for a no-annual-fee rewards card. Many competing cards only offer bonuses worth $200 or less, so the Autograph card’s offer is definitely on the higher end.

However, it’s important to note that the spending requirement for this bonus is also higher than for some other cards.

For example, the Citi Custom Cash card and the Capital One Quicksilver card have lower spending requirements to earn their respective bonuses.

Overall, it’s a good idea to consider the welcome offer when evaluating a credit card. Still, it’s also essential to consider the card’s ongoing rewards and benefits and any fees.

It might be worth it to put in a little extra spending in the first few months to earn the Autograph card’s generous welcome bonus, but make sure to weigh that against the card’s other features to decide if it’s the right fit you.

8. Other Benefits

In addition to the rewards program, the Wells Fargo Autograph Card has other benefits that can help you save on travel expenses.

Here are some of the other benefits that come with the Wells Fargo Autograph Card:

Cell phone protection.

The Wells Fargo Autograph Card comes with cell phone protection, which can help you save on your phone bill.

The Autograph Credit Card is eligible for Cell Phone Protection. Get up to $ 600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo credit card. (Subject to a $25 deductible).

This benefit can help you save money on your cell phone bill and give you peace of mind when travelling.

Auto rental collision damage waiver.

As a cardholder, you’ll automatically receive secondary collision damage waiver coverage when renting a car using your Autograph card.

That provides some protection if you have an accident, but it’s less potent than the primary coverage you would get with other cards.

You also won’t be able to transfer your rewards to any airline or hotel partner, which limits how you can use them.

Visa Signature Concierge Service.

The Wells Fargo Autograph Card comes with the Visa Signature Concierge Service, which can help you save time and money when travelling.

With this service, you can get help with making travel arrangements, finding restaurants, and more.

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The Drawback to consider before signing up 

One Drawback to consider before signing up for the Wells Fargo Autograph Card.

1. 0% APR promotion could be better.

Before signing up for the Wells Fargo Autograph Card, one thing to consider is that the 0% APR introductory period is only 12 months.

Some individuals may need more time to pay off their balance, especially if they have a large debt.

In comparison, some other credit cards in the market offer a 0% APR introductory period for more than 15 months, which can provide a longer window of time to pay off your balance without accruing interest.

Considering that you’ll need more than 12 months to pay off your balance, consider these other options. It’s important to carefully evaluate the terms and conditions of any credit card before you apply to make sure it’s the right fit for your needs.

2. Only 1% of Base Rewards 

One Drawback you’ll want to consider before signing up for the tiered rewards credit card is its base rewards rate of 1 point per dollar. While this is common for tiered rewards credit cards, you’ll earn a mediocre rate on most of your spending.

If you’re looking to maximize your rewards, it’s recommended to pair this card with another rewards card that offers a high flat rewards rate.

Doing so will ensure you earn the most points possible on all your purchases.

3. No Premium Benefits

The Wells Fargo Autograph℠ Card – doesn’t come with an annual fee. Still, it doesn’t offer goodies like Global Entry/TSA PreCheck application reimbursement, airport lounge access, or the ability to transfer rewards to hotel or airline partners.

This means that you should consider a card that offers those perks; even if it charges an annual fee, this card is not for you.

For example, the Delta SkyMiles® Gold American Express Card offers free checked bags and early boarding on Delta flights, but it does have an annual fee of $0 intro for the first year, then $99.

Or, the World of Hyatt Credit Card, with an annual fee of $95, gives you an automatic free night annually.

It’s crucial for you to carefully consider the benefits and drawbacks of any credit card before applying and to choose a card that aligns with your spending habits and financial goals.

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Alternative Cards to Consider

Here are some alternative cards to consider if you’re looking for a travel rewards card:

#1. Chase Freedom Flex

Are you someone who dines out a lot or has a lot of prescriptions to fill? If so, the Chase Freedom Flex might be a good credit card for you!

With this card, you can earn 3% cash back on dining and drugstore purchases and 5% cash back on travel booked through Chase Ultimate Rewards.

Plus, you can earn 5% cash back every quarter on up to $1,500 in combined purchases in bonus categories. All other purchases earn 1% cash back.

Keep in mind that there is a cap on the amount of cash back you can earn in the quarterly bonus categories with the Chase Freedom Flex. If you want a credit card with no limits on rewards earnings, consider the Wells Fargo Autograph Card instead.

#2. Bank of America Customized Cash Rewards

Looking for a great cashback credit card? Consider the Bank of America Customized Cash Rewards credit card or the Wells Fargo Autograph Card.

With the Bank of America, Customized Cash Rewards credit card, you can earn 3% cash back in an eligible category of your choice, 2% back at grocery stores and wholesale clubs on up to $2,500 in combined purchases each quarter, and unlimited 1% cash back on all other purchases. 

However, there is a cap on earnings for grocery store and wholesale club purchases.

On the other hand, the Wells Fargo Autograph Card proposes fewer points on specific spending but has no limits on the rewards you can earn. This one might be an excellent fit if you want a flexible cashback credit card.

Fees Rates of Wells Fargo Autograph Card?

Would you like to know the fees rates for Wells Fargo Autograph Card? The introductory fee is either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening.

After that, up to 5% for each balance transfer, with a minimum of $5. The cash advance fee is either $10 or 5% of the amount of each advance, whichever is greater. The late payment fee is up to $40.

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Who should apply for the Wells Fargo Autograph Card?

The Wells Fargo Autograph card is a good choice for those looking to earn valuable rewards without paying Complicated annual fees. It offers a high introductory rate on purchases and balance transfers and does not impose foreign transactions on cardholders.

The main appeal of this card is its Earn 5 points per $1 spent on gas, groceries, and drugstores categories, which is on par with what other cards in this category offer. Receive.

You’ll also get 1 point back per $1 spent on everything else. New cardholders can enjoy an intro 0% APR period for the first 12 months on purchases and balance transfers for 18 months.

Another great feature of this Wells Fargo Autograph Card is that it offers cell phone protection for up to $600 when you pay your bill with your card.

As always, we recommend reading the terms and conditions of any credit card before applying to ensure you fully understand all the benefits and drawbacks.

The Wells Fargo Autograph Card has no annual fee, so it’s worth considering if you’re looking for a new rewards credit card.

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Wells Fargo Autograph credit card: Is it worth signing up for?

In conclusion, the Wells Fargo Autograph credit card is worth signing up for if you’re looking for a card with a generous welcome bonus and rewards on common spending categories. 

While it may offer less value in the first year compared to some similar cards, its enduring value due to the lack of an annual fee makes it a strong contender for your business. 

While it may not have all the bonus options for redeeming points for travel that other cards offer, it is still a solid choice for everyday spending and is a sound travel credit card. 

Remember that it doesn’t offer premium travel perks like lounge access or free checked bags. 

Overall, the Wells Fargo Autograph credit card is an excellent option for those who want to avoid paying an annual fee.

I hope this Wells Fargo Autograph Card review was helpful. Please research before signing up for any credit card to ensure it’s the right fit.

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