Wells Fargo
Wells Fargo Autograph
Wells Fargo Autograph costs No annual fee and earns up to 3× on dining. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Wells Fargo Autograph returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- No annual fee
- Best earn rate
- 3× dining
- Points value
- 1.6¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- 20,000 points
- About $320 if you redeem at 1.6¢ a point, and only if you clear the spending requirement.
- Foreign transaction fee
- none
What the Wells Fargo Autograph earns
Dining
3×
Gas and EV charging
3×
Transit and rideshare
3×
Streaming
3×
Flights and hotels booked direct
3×
Other travel
3×
Phone, internet, and cable
3×
| Category | Rate | Conditions |
|---|---|---|
| Dining | 3× | |
| Gas and EV charging | 3× | |
| Transit and rideshare | 3× | |
| Streaming | 3× | |
| Flights and hotels booked direct | 3× | |
| Other travel | 3× | |
| Phone, internet, and cable | 3× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the Wells Fargo Autograph right for you?
Enter a typical month. You will see what the Wells Fargo Autograph returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Wells Fargo Autograph Top for your numbers
3× dining, 3× gas; 1× everything else. No annual fee.
Rewards $720 · No annual fee
+$720
+$552
4× travel booked direct, 3× dining; 1× everything else. $95 annual fee.
Rewards $641 · Fee −$95
+$546
+$376
How we estimate
- Every rate on this page comes from the card catalog. Wells Fargo Autograph pays 1× on spending outside the bonus categories listed above, and up to 3× on dining.
- We value this card's points at 1.6¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"wells-fargo-autograph","name":"Wells Fargo Autograph","fee":0,"cpp":0.016,"base":1,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["gas"],"rate":3},{"inputs":["transit"],"rate":3},{"inputs":["streaming"],"rate":3},{"inputs":["travel"],"rate":3}]},{"key":"wells-fargo-autograph-journey","name":"Wells Fargo Autograph Journey","fee":95,"cpp":0.016,"base":1,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["travel"],"rate":4}]},{"key":"bank-of-america-travel-rewards","name":"Bank of America Travel Rewards","fee":0,"cpp":0.01,"base":1.5},{"key":"bilt-blue","name":"Bilt Blue Card","fee":0,"cpp":0.022000000000000002,"base":1}]}What comes with it
Welcome bonus
20,000 points
About $320 if you redeem at 1.6¢ a point, and only if you clear the spending requirement.
Points and partners
Wells Fargo Rewards
Transferable to airline and hotel partners.
Airlines
Air France-KLM, Avianca, British Airways, Aer Lingus, Iberia, Virgin Atlantic
Hotels
Choice Privileges
Where this data came from
Checked creditcards.wellsfargo.com 2026-10-05. No annual fee. 20,000 points after $1,000 in 3 months. 3x on restaurants, travel, gas, transit, streaming services and phone plans; 1x other. No foreign transaction fee. The row already described phone plans in its notes but the phone field itself was left blank, so those purchases earned the 1x base rate.
FAQ
The Wells Fargo Autograph has no annual fee, so the only thing that matters is what it earns. Its best rate is 3× on dining.
3× on dining, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $0 means about $0 a month on dining, where it earns 3.2¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 20,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 1.6¢ a point that is about $320, before you count the annual fee and whether you would clear the spending requirement for it.
Yes. It earns Wells Fargo Rewards, which you can transfer to the partners below. Airlines: Air France-KLM, Avianca, British Airways, Aer Lingus, Iberia, Virgin Atlantic. Hotels: Choice Privileges. Transfers are what make a 1.6¢ valuation reachable; using the points for cash back is worth far less.
No. The Wells Fargo Autograph charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.