Status: checked against official sources; automated independent review
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PROGRAMME PROFILE
Wells Fargo Autograph® Card: 3X points, $0 fee
Wells Fargo Autograph® Card is a rewards credit card issued by Wells Fargo that earns three points per dollar on restaurants, travel and a group of everyday spending categories, one point per dollar on other purchases, and charges a $0 annual fee. [2] Wells Fargo pairs the card with a welcome offer of 20,000 bonus points when $1,000 in net purchases posts in the first three months, an amount the listing describes as a $200 cash redemption value. [2]
Facts checked: 18 October 2026
Key takeaways
- The Autograph® Card earns three points per dollar — one base point plus two bonus points — at retailers whose Visa merchant category code falls into travel, transit, gas, dining, phone plans or popular streaming services, and one point per dollar on other net purchases. [2]
- Wells Fargo advertises 20,000 bonus points when at least $1,000 in net purchases posts to a new account within three months of opening; the bonus points show as redeemable within 60 days after they are earned. [2]
- The card carries a $0 annual fee and a low introductory APR for 12 months from account opening. [2]
- Cash advances and cash equivalents never earn points, and balance transfers, fees, interest, gambling transactions and disputed or illegal purchases do not count towards the welcome offer or earn points. [2]
- Wells Fargo states that offers may differ from time to time and depend on the marketing channel, so the terms shown here describe the offer presented in its card listing. [2]
How do you earn points with the Wells Fargo Autograph® Card?
Rewards on the Autograph® Card are set by merchant category code rather than by brand name. Wells Fargo awards three rewards points (one base point plus two bonus points) per $1 spent on net purchases at retailers whose Visa merchant code is classified into the bonus categories below. [2] Everything outside those codes earns one point per $1. [2]
| Category | Merchant types named by Wells Fargo | Points per $1 |
|---|---|---|
| Travel | Airlines, hotels and motels, timeshares, vehicle and auto rental, cruise lines, travel agencies, discount travel sites, campgrounds | 3 |
| Transit | Passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages | 3 |
| Gas | Gas stations, automated fuel dispensers, electric vehicle charging stations | 3 |
| Dining | Eating places and restaurants, drinking places, fast food restaurants, caterers | 3 |
| Phone plans | Landline and cell phone providers considered telecommunication services | 3 |
| Popular streaming services | Cable and other pay television, digital goods, books, movies, music, and continuity or subscription services listed at wellsfargo.com/autographstreaming | 3 |
| Other purchases | All remaining net purchases | 1 |
Because the rate follows the merchant code, a purchase only earns the higher rate if the retailer is billed under one of the listed codes. [2] Wells Fargo points earned on the card sit inside the Wells Fargo Rewards® programme, and the card listing directs cardholders to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Visa® Card Addendum for the full rules and for merchant examples that may fall outside the listed codes. [2] Points are calculated on net purchases, meaning purchases minus returns and credits. [2]
How does the 20,000-point welcome offer work?
To qualify for the 20,000 bonus rewards points, at least $1,000 in net purchases must post to the account within three months from the date the account is opened. [2] The bonus points show as redeemable within 60 days after they are earned. [2] Wells Fargo describes the 20,000 points as a $200 cash redemption value. [2]
The spending threshold is measured on net purchases, so returns and credits reduce the total that counts. [2] Purchases that do not apply to the offer and do not earn points include cash advances and cash equivalents of any kind — such as ATM transactions, overdraft protection advances, traveller's checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies to the extent accepted, and wire transfers — along with balance transfers including the use of SUPERCHECKS, disputed or illegal purchases, fees and interest of any kind, and gambling transactions. [2] Cash advances and balance transfers may also reduce the credit line available for the offer. [2]
What does the Wells Fargo Autograph® Card cost?
The Autograph® Card has a $0 annual fee and a low introductory APR for 12 months from account opening. [2] Wells Fargo lists the card under both its everyday-purchases and travel-rewards categories. [2] Applying does not guarantee credit: the card is subject to credit qualification, and each Wells Fargo card product has its own eligibility requirements, which are set out behind the "Learn More" button for that product. [2] Introductory offers can change and may depend on the marketing channel used to apply, so the offer shown in the listing is the one to check before applying. [2]
Limits and conditions
- Merchant coding. Bonus points depend on how the retailer is classified under Visa merchant codes, so a purchase at a business that is coded differently earns the base rate instead. [2]
- Streaming list. The streaming category applies to the services named on Wells Fargo's published list at wellsfargo.com/autographstreaming, not to subscription services generally. [2]
- No points on cash-like activity. Cash advances and cash equivalents of any kind do not earn points. [2]
- Offer variation. Wells Fargo says offers may differ from time to time and depend on the marketing channel, and that the applicant must select "Apply now" to take advantage of the offer shown. [2]
- Governing terms. The rewards programme rules sit in the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Visa® Card Addendum referenced in the card listing. [2] For help with the vocabulary used here, see the points and miles glossary.
Frequently asked questions
How many points does the Wells Fargo Autograph® Card earn on dining?
Three points per $1 — one base point plus two bonus points — at retailers coded as eating places and restaurants, drinking places, fast food restaurants or caterers. [2]
Does the Autograph® Card charge an annual fee?
No. Wells Fargo lists the card with a $0 annual fee alongside a low introductory APR for 12 months from account opening. [2]
How much is the 20,000-point welcome offer worth?
Wells Fargo describes the 20,000 bonus points as a $200 cash redemption value, earned after $1,000 in net purchases posts within the first three months. [2]
Do cash advances or balance transfers earn points on the Autograph® Card?
No. Cash advances and cash equivalents of any kind earn no points, and balance transfers, fees, interest and gambling transactions are also excluded from earning and from the welcome offer. [2]
Is the bonus posted immediately after the spending requirement is met?
Bonus rewards points show as redeemable within 60 days after they are earned. [2]
Sources
Sources checked on 18 October 2026. Other Wells Fargo cards, including the Autograph Journey® Card, Active Cash® Card, Reflect® Card, Signify Business Cash® Card, One Key® Card, One Key+™ Card and the Choice Privileges® Mastercard® cards, are not covered here.
- Wells Fargo credit cards: card list, reward rates and offer terms, checked 18 October 2026
Wells Fargo Autograph Card on Flyerfolio
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- Transfer ratio calculatorConvert points to partner miles at a ratio you enter or a sourced ratio with its official link and check date, with optional bonus and minimum block.
- Points value calculator
- Award vs cash calculatorCompare paying with points and paying cash using your own point value, including points the cash booking earns, and see the break-even value.