Wells Fargo Autograph℠
The Wells Fargo Autograph℠ from Wells Fargo earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Wells Fargo Autograph℠ earn in each category?
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 3x points | 3% |
| Travel Flights, hotels, transit | 3x points | 3% |
| Other General everyday spend | 3x points | 3% |
Madeen values Wells Fargo Go Far Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Wells Fargo Autograph℠ reward caps and conditions?
The Wells Fargo Autograph℠ has 4 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn unlimited 3X points - Restaurants: dining in, take-out, catering, delivery and more
- Earn unlimited 3X points - Gas: gas stations and electric vehicle charging stations
- Earn unlimited 3X points - Popular Streaming Services: content at home or on the go
- Earn unlimited 3X points - Transit: subways, ride shares, parking, tolls and more
Who should get the Wells Fargo Autograph℠?
The Wells Fargo Autograph℠ fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Wells Fargo Autograph℠ fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 66% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 3% effective (3x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Multiple caps, activations, or exclusions may limit headline earn rates.
- Wells Fargo Go Far Rewards value depends on how you redeem, not straight cash back.
Does the Wells Fargo Autograph℠ have an annual fee, and what's the welcome bonus?
The Wells Fargo Autograph℠ has an annual fee of $0 and a foreign transaction fee of None. New applicants may see: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
- Signup bonus
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value
What benefits come with the Wells Fargo Autograph℠?
The Wells Fargo Autograph℠ includes Auto rental collision damage waiver, Booking.com, Cellular Telephone Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Auto rental collision damage waiver
Covers theft, damage, valid loss-of-use charges imposed and substantiated by the rental company, administrative fees and reasonable and customary towing charges to the nearest qualified repair facility.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Cellular Telephone Protection
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Concierge service, 24/7
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.
- Credit Close-Up
With Credit Close-Up you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO® Score updates and personalized credit insights. It’s complementary to Wells Fargo Online® customers and using it won’t negatively affect your score.12 For additional information, visit wellsfargo.com/ficoscore.
- Dovly Uplift™Included with Visa Signature®
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- Global Entry Statement CreditIncluded with Visa Signature®
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Common questions about the Wells Fargo Autograph℠
Does the Wells Fargo Autograph℠ have an annual fee?
The Wells Fargo Autograph℠ carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Wells Fargo Autograph℠?
Dining is the strongest Madeen category for the Wells Fargo Autograph℠ at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Wells Fargo Autograph℠ charge foreign transaction fees?
The Wells Fargo Autograph℠ does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Wells Fargo Autograph℠ welcome bonus?
The Wells Fargo Autograph℠ welcome offer in our snapshot: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Wells Fargo Autograph℠?
Madeen's catalog lists a typical credit range of Good to Excellent for the Wells Fargo Autograph℠. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Wells Fargo Autograph℠?
Rewards on the Wells Fargo Autograph℠ post as Wells Fargo Go Far Rewards. Redemption value depends on how you use Wells Fargo Go Far Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Wells Fargo Autograph℠ compare to similar cards?
Compare the Wells Fargo Autograph℠ against One Key (3% on Dining, $0 fee); One Key+ (3% on Dining, $99 fee); Wells Fargo Propel American Express (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Wells Fargo Autograph℠ This card | Dining | 3% | $0 |
Wells Fargo | Dining | 3% | $0 |
Wells Fargo | Dining | 3% | $99 |
Wells Fargo | Dining | 3% | $0 |
Wells Fargo | Dining | 2% | $0 |
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