Wells Fargo · Flexible points · Visa
Wells Fargo Autograph: what it's really worth
The Wells Fargo Autograph has a no annual fee. For a typical household spending $2,070 a month, it's worth about $609 in year one and $409 each year after.
Annual fee$0
Sign-up bonus$20020,000 points after $1,000 in 3 mo
Net value · year 1$609
Net value · each year after$409
Is the annual fee worth it?
No annual fee — nothing to lose by keeping it open, which also helps your credit history.
How you earn
| Category | Rate | Value per $1 | Per year* |
|---|---|---|---|
| Dining | 3x | 3.0¢ | $108 |
| Groceries | 1x | 1.0¢ | $60 |
| Hotels | 3x | 3.0¢ | $29 |
| Flights | 3x | 3.0¢ | $36 |
| Gas | 3x | 3.0¢ | $54 |
| Streaming | 3x | 3.0¢ | $14 |
| Everything else | 1x | 1.0¢ | $108 |
*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 3x on restaurants, travel, gas & EV charging, transit, popular streaming and phone plans.
Credits and perks
- Cell phone protection
- Foreign transaction fee: none
Who it's for
- The best no-fee card for travel and dining categories
- Using abroad — no foreign fees
- Not ideal: Big grocery spenders — groceries earn 1x
Can I get it?
- Recommended credit: Good
- Wells Fargo rules: Bonus and intro APR may be withheld if you opened another Wells Fargo card in the last 6 months.
- Visa: Accepted almost everywhere, including Costco warehouses (Visa only).
Check the current offer at Wells Fargo
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Updated Oct 30, 2026.