Wells Fargo Autograph Card Review 2025

The Wells Fargo Autograph Card offers a welcome bonus of 20,000 points when you spend at least $1,000 on purchases within the first three months of account opening. That averages out to roughly $333 in purchases per month, which is a relatively easy spending goal. 

You can redeem those points for $200 in statement credits, gift cards or travel bookings. You can also transfer those points to any of Wells Fargo’s travel partners to potentially increase the value of your points.

The Wells Fargo Autograph Card offers cardholders a variety of valuable benefits including:

• Up to $600 of cell phone protection against damage or theft (with a $25 deductible) when you pay your monthly bill with the card
• Auto rental collision damage waiver (which covers damage from an accident, a natural disaster or vandalism, as well as theft)
• Roadside Dispatch, a paid service that can help tow your car, change a flat tire, and more.
• Access to the Visa Signature^® Luxury Hotel Collection, which allows you to book a hotel through www.visasignaturehotels.com and also receive perks like a free room upgrade (when available), complimentary breakfast for two, and more.
• Access to the My Wells Fargo Deals program, which offers cash back with participating merchants.

The Wells Fargo Autograph Card earns points at the following rates:

• 3X points on travel
• 3X points at restaurants
• 3X points on gas
• 3X points on transit
• 3X points on streaming services
• 3X points on phone plans 
• 1X points on all other purchases 

Because there’s no cap on these rewards, the sky’s the limit (or more realistically, your bank account) when it comes to earning points.

Redeeming

Rewards do not expire if your account remains open and can be redeemed in a variety of ways through Wells Fargo’s rewards portal, including:

• Travel, such as airfare and hotel stays
• Statement credits
• Gift cards (in $25 increments)
• Shopping with participating merchants

You can also transfer your points to the loyalty programs of participating partners at a 1:1 ratio (unless noted), including:

• Choice Privileges® (1:2 transfer ratio)
• Flying Blue (Air France and KLM)
• Avianca LifeMiles
• British Airways Executive Club
• Aer Lingus AerClub
• Iberia Plus
• Virgin Atlantic Flying Club/Virgin Red

Transferring your Wells Fargo rewards points to partners can give them a big boost in value. For example, you can book off-peak one-way business class award flights for only 34,000 Iberia Avios points from certain U.S. cities to Spain. These flights regularly cost over $1,500, netting you a value of over four cents per point even after accounting for taxes and fees (typically around $130 each way).

Compare travel insurance options

The Wells Fargo Active Cash® Card is a straightforward card that earns a flat 2% cash rewards on all purchases. It pairs well with the Autograph card since it helps cover any gaps (like groceries) left out of the Autograph Card’s bonus spending categories.

An even better reason to pair the Autograph and Active Cash together is that when you have an Autograph Card, the cash rewards earned by the Active Cash can also be transferred to the airlines and hotels participating in Wells Fargo’s new rewards program. That means instead of redeeming your cash rewards earned by the Active Cash as a statement credit, for example, you can put them toward expensive airfare where you can get more value. Carrying both cards in your wallet turns you into a rewards-earning machine and can help make a once-in-a-lifetime vacation much more attainable.

Learn more: Wells Fargo Active Cash® Card

Wells Fargo Autograph℠ Card vs. Chase Freedom Unlimited® 

The Wells Fargo Autograph℠ Card can be a solid choice for anyone looking to accumulate points on travel or other everyday purchases. It also stands out for being a rare no-annual-fee travel credit card that earns flexible rewards that can be transferred to airline and hotel loyalty programs.

However, this may not be the best card if you’re a frequent traveler who enjoys premium perks like airport lounge access. Additionally, while you earn 3X points in several categories, it only earns 1X points on other purchases. So you could benefit from pairing this card with one that has high flat-rate rewards like the Chase Freedom Unlimited® or the Wells Fargo Active Cash® Card to get the most bang for your buck.

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