The Autograph earns 3x points across six categories that cover most of a normal month: dining, travel, gas, transit, streaming, and phone plans, all for no annual fee. That breadth is why it takes the Best No-Fee badge at #5 on our Best Travel list, and it also lands at #9 for cash back and #10 for dining and groceries. You also get 12 months of 0% intro APR on purchases, no foreign transaction fee, and up to $600 per claim in cell phone protection when you pay your bill with the card. The signup bonus is modest at 20,000 points after $1,000 in three months, and the 1x rate on everything outside those six categories means groceries and general shopping are better off on a flat-rate card. Carry it for the categories, pair it with something that handles the rest.
Earn rates & credits
| Category | Rate |
|---|---|
Dining | 3x |
Travel | 3x |
Gas | 3x |
Transit | 3x |
Streaming | 3x |
Phone Services Phone plans | 3x |
Everything Else | 1x |
Card details
Regular APR | 18.49%–28.49% variable |
Intro APR on purchases | 0% for 12 months |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Wells Fargo AutographBased on 6 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.