Wells Fargo Autograph Card review

Autograph is the best travel card for people who do not want an annual fee. Wells Fargo charges $0 a year and pays 3X points on restaurants, travel, gas and transit, popular streaming services and phone plans, with 1X on other purchases. New cardholders can earn 20,000 bonus points after spending $1,000 in purchases in the first 3 months, and there is a 0% intro APR for 12 months from account opening on purchases, then 18.74%, 24.74% or 28.74% variable. For trips abroad, Wells Fargo does not charge a fee for converting purchases to U.S. dollars, and the card adds travel and emergency assistance, an auto rental collision damage waiver and cell phone protection of up to $600 with a $25 deductible. Points never expire while the account is open and can go to gift cards, PayPal checkout, statement credits or select travel loyalty programs. There are no lounges, travel credits or trusted traveler credits, which is the price of the $0 fee.

Who it is for

Occasional travelers who want 3X on travel and no foreign transaction fee without paying an annual fee.

Price

$0 annual fee.

$0 annual fee
Quoted from the vendor pricing page on November 8, 2026.

Key features

• 20,000 bonus points after $1,000 in purchases in the first 3 months
• 3X points on restaurants, travel, gas and transit, popular streaming services and phone plans
• No foreign transaction fee
• Points transfer to select travel loyalty programs
• Cell phone protection up to $600, with a $25 deductible

Strengths and weaknesses

• Strength: No annual fee with 3X on travel
• Strength: No foreign transaction fee for trips abroad
• Strength: 0% intro APR for 12 months on purchases
• Weakness: No lounge access or travel credits
• Weakness: Smaller welcome bonus than the fee cards
• Weakness: Other purchases earn 1X

Key facts

• Annual fee: $0
• Welcome bonus: 20,000 points after $1,000 in 3 months
• Earning: 3X on restaurants, travel, gas and transit, streaming, phone plans
• Intro APR: 0% for 12 months on purchases
• Foreign transaction fee: None

Where it ranks

Wells Fargo Autograph Card is No. 5 in our Best Travel Credit Cards verdict.