The Autograph earns 3x points on a broad set of everyday categories, dining, travel, gas, transit, streaming, and phone plans, with no annual fee and no foreign transaction fees. That breadth is why it carries the Best No-Fee badge on our Best Travel Credit Cards list, where it ranks #8. New cardholders get 20,000 bonus points after $1,000 in spending in the first 3 months, plus 12 months of 0% intro APR on purchases. Cell phone protection of up to $600 per claim when you pay your phone bill with the card rounds out the package. The tradeoff is the 1x rate on everything else, including groceries, so pair it with a flat-rate card for non-bonus spending. For a no-fee card, few cover this many common categories at 3x.
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 7 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.