Wells Fargo Autograph Card (Visa Signature)
Updated August 15, 2024.
The Facts
The Math
A non-fee card that offers 3x bonus for several important spending categories, Wells Fargo Autograph is welcomed with open arms. However, we need to wait until we know if the frequent traveler miles/points transfer feature works on this card or if the points earned on this card are allowed to use this feature when you also have an Autograph Journey to evaluate its full potential.
The Conclusion
With 3x bonus categories covering travel, dining, gas and EV charging, phone plans, cable and streaming, this is surely one of the better non-fee rewards cards.
The Facts
- Annual Fee: none
- Signup Bonus: up to 20,000 points after spending $1,000 within 3 months of new account opening. This bonus is not available if you have this card or opened one within the last 48 months. In addition, you will only be approved for one Wells Fargo credit card every 6 months. Historical best bonus of this card: 30K points for a few times over the years.
- Application Landing Page
- Rewards: 3x travel (including transit) & dining & gas and EV charging & phone plans & select cable and streaming services, and 1x everywhere else.
- Best Use of Wells Fargo Rewards points: Wells Fargo points can be redeemed for cash, merchandise, gift cards, travel, etc., at 1 cent per point (cpp). All your Wells Fargo Rewards points will be automatically pooled together in one rewards account, and Wells Fargo also allows one member to gift some points to another.
- Other Benefits: (1) Waive foreign transaction fees. (2) Embedded EVM chip with the "Chip & PIN" technology which has much better acceptance worldwide than the previous "Chip & Signature" technology. (3) My Wells Fargo Deals for promotional savings at various merchants. (4) Autograph Card Exclusives for special ticket and event access. (5) Standard Visa Signature benefits including 24/7 concierge service and Visa Signature Luxury Hotel Collection.
- Consumer Protection: In general, Propel Amex offers mediocre consumer travel and purchase protection. However, it is one of the very few credit cards that offers Cellphone Protection - you will be reimbursed up to $600 per claim with a $25 deductible when your cellphone is damaged or stolen. You don't need to purchase your cellphone with the card, but rather enjoy the coverage as long as you pay your cellphone bills with the card.
- History: In late 2022, Wells Fargo replaced Propel Amex with the new Autograph Visa Signature, while maintaining most of the features but losing potential enhanced rewards at 1.5 cpp.
The Math
A non-fee card that offers 3x bonus for several important spending categories, Wells Fargo Autograph is welcomed with open arms. However, we need to wait until we know if the frequent traveler miles/points transfer feature works on this card or if the points earned on this card are allowed to use this feature when you also have an Autograph Journey to evaluate its full potential.
The Conclusion
With 3x bonus categories covering travel, dining, gas and EV charging, phone plans, cable and streaming, this is surely one of the better non-fee rewards cards.