Wells Fargo Autograph Credit Card Review (2024.1 Update: 20k Offer)

Wells Fargo AutographSM Card Review

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  1. 20k offer: earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months. The recent best offer is 30k.
  2. The points earned by this card can be redeemed towards statement credit at a fixed 1 cent/point ratio, so the 30k highest offer is worth $300.
  3. Earn 3x points for: restaurants; travel; gas stations; transit; popular streaming services; and phone plans. Earn 1x points for other purchases.
  4. $600 cell phone insurance: Pay your monthly cell phone bill using your eligible Wells Fargo Consumer Credit Card and get up to $600 (subject to a $25 deductible) protection against damage or theft.
  5. No foreign transaction fee.
  6. No annual fee.

Recommended Application Time

  1. We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.
  2. [6 month rule] You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months.


This card has a decent welcome offer for a no annual fee card. Its earning structure is also quite decent as you can earn 3x on a very large range of spending categories.

Historical Offers Chart

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