Wells Fargo Autograph
Broad 3x categories with no annual fee.
Vault Nerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Reward rates
Restaurants, travel, gas, transit, streaming and phone plans | 3x |
All other purchases | 1x |
Welcome bonus
20,000 bonus points after $1,000 of spending in the first 3 months.
Requirement: $1,000 in 3 months
Perks
- Good to excellent credit, roughly 690 and above
Frequently asked questions
Is the Wells Fargo Autograph worth it?
It has no annual fee. It's best suited to broad 3x categories with no annual fee. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Wells Fargo Autograph earn?
It earns 3x on restaurants, travel, gas, transit, streaming and phone plans and 1x on all other purchases.
What credit score do you need for the Wells Fargo Autograph?
We'd suggest a score of around 690 or higher, which puts approval in our "moderate" band. This is a Vault Nerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“Wells Fargo Autograph Review.” Vault Nerd, https://www.vaultnerd.com/credit-cards/wells-fargo-autograph, updated August 2026.
- Wells Fargo published product page and cardholder agreement