Wells Fargo Autograph℠
Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
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.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. 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.
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 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Wells Fargo Autograph℠ compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight music and.
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Wells Fargo Autograph℠ compares across dining, grocery, gas, travel, and other spend.
| 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.
- 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 81% 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.
Pros
- Strongest Madeen category is dining at about 3% effective (3x points).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
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.
What is the Wells Fargo Autograph℠ welcome bonus?
In Madeen's catalog snapshot, the Wells Fargo Autograph℠ welcome offer is 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 — confirm on the issuer application page before applying.
- Offer
- 20k Wells Fargo Go Far Rewards (~$200 estimated)
- Terms (catalog 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
- $1,000
- Window
- 3Months
Does the Wells Fargo Autograph℠ have an annual fee?
The Wells Fargo Autograph℠ has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
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.
Roadside Dispatch®
$1,000/yrA 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them. For assistance, call 1-800-847-2869. Refer to your Guide to Benefits for more information. Terms apply.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Cellular Telephone Protection
$600/yrUp to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Concierge service, 24/7
$150/yrFind tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply 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.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Credit Close-Up
$25/yrWith 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.
Auto rental collision damage waiver
$10/yrCovers 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.
Luxury Hotel Collection
$10/yrEnjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties. Learn more about the Visa Signature Hotel Collection at VisaSignatureHotels.com
Related encyclopedia topics
Common questions about the Wells Fargo Autograph℠
Where do cardholders spend most with the Wells Fargo Autograph℠?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on music and audio (3x), tv and movies (3x), coffee (3x) for the Wells Fargo Autograph℠. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
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.
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.
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.
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.
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 |
| Dining | 3% | $0 | |
| Dining | 3% | $99 | |
Wells Fargo | Dining | 3% | $0 |
Wells Fargo | Dining | 2% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure