Wells Fargo Autograph – How to apply

By Raquel Oliveira • 03/19/2025

Wells Fargo Autograph: This card offers 0% introductory interest for 12 months.

Wells Fargo Autograph Card is a premium credit card that offers a great way to earn cash back rewards in a variety of spending categories. 

With guaranteed cash back of 3% on restaurant purchases, travel, streaming, online purchases, cell phones, gasoline and much more, this card is perfect for those looking to maximize their return in different areas of their daily spending.

In addition to a wide range of benefits, there is no annual fee, which makes it attractive for those who want to enjoy the benefits without additional costs. 

Wells Fargo Autograph card also offers a 12-month 0% introductory APR on purchases and balance transfers, allowing you to finance new purchases or pay off debts from other cards with higher interest rates.

How does the Wells Fargo Autograph credit card work? 

The Wells Fargo Autograph works by rewarding you with points every time you use the card. Instead of dealing with rotating bonus categories, you earn 3X points on specific everyday purchases, making it easy to accumulate rewards.

You get 3X points on dining, travel, gas stations, transit, popular streaming services, and phone plans. All other purchases earn 1X points per dollar spent, ensuring that you continue earning rewards no matter what you buy.

Once you earn points, you can redeem them in multiple ways. Whether you prefer to use them for travel, gift cards, or statement credits, the flexibility allows you to make the most of your rewards.

The best part? Your points never expire as long as your account remains open. This means you can save up for larger redemptions without worrying about losing your earned rewards.

Main benefits of Wells Fargo Autograph

• Generous cash back in several categories: The Wells Fargo Autograph card offers triple cash back on several high-spending categories, including dining, travel, streaming and Masu online shopping. 

This allows you to maximize your rewards in the main areas of daily consumption. With this competitive cashback, you can quickly accumulate funds that you can use when you need them.

• 0% APR introductory interest rate: This card offers 0% introductory interest for 12 months on purchases and balance transfers. This is a great opportunity for anyone looking to finance a large purchase or transfer a balance from another high-interest card.

This long-term APR exemption reduces interest costs while providing payment flexibility.

• No annual fee: The Wells Fargo Autograph card has no annual fee, a major advantage over other cards that charge administrative fees.This makes the card more affordable and allows users to enjoy benefits without incurring additional costs for card maintenance.

Cons of Wells Fargo Autograph

• APR after introductory period: After the 12-month 0% APR period, the Wells Fargo Autograph Card’s interest rate is relatively high, ranging from 18.99% to 6.99% depending on your credit profile.Possibly.

This can be a drawback for users who maintain high balances for long periods without paying their bills in full.

• Foreign transaction fee: The Wells Fargo Autograph card charges a 3% fee on international transactions, which can be an inconvenience for frequent travelers or those who shop on foreign websites.This fee can significantly increase the cost of purchases abroad.
• Exclusions for some categories: This card offers 3% cashback in some categories, but does not cover some high-spending areas such as: B.Public transport and electronic devices.

Generally, they are eligible for benefits on other cards. This can be limiting for people who frequently shop in categories that are not included in the card’s rewards program.

APR and fees

The Wells Fargo Autograph card has an introductory rate of 0% APR on purchases and balance transfers for 12 months. This is a great benefit for those wishing to install purchases or transfer balances from other cards.

After this initial phase, the effective annual interest rate will vary and will be between 18.99% and 6.99% depending on the cardholder’s creditworthiness analysis.

In addition, this card charges an international transaction fee of 3% on purchases made outside the country. This can be a problem for people who travel or shop abroad frequently.Interest on late payments and minimum payment amounts apply, which must be respected to avoid additional charges.

How to apply for the Wells Fargo Autograph

To apply for the Wells Fargo autograph card, simply visit the official Wells Fargo website and fill out the application form.

This process requires personal information such as name, address, social security number and financial information so that the bank can carry out a credit analysis and determine the applicant’s eligibility.

Once approved, your card will be sent to the address you provided. Card activation is quick and you can use it immediately to earn cash back and take advantage of the introductory 0% APR on purchases and balance transfers.

In addition, managing the card is easy via the Wells Fargo website or app, allowing you to track spending and accumulated cash back, make online payments and check installment balances.

Conclusion

The Wells Fargo Autograph is a great option for anyone looking for a rewards credit card without an annual fee. With 3X points on dining, travel, gas, transit, and streaming services, it’s an excellent choice for everyday spending and frequent travelers.

The card also offers a valuable welcome bonus of 20,000 points, no foreign transaction fees, and a 0% intro APR for the first 12 months. These features make it a strong contender among no-fee rewards cards.

However, if you don’t spend much in the bonus categories, the rewards potential may be limited. Additionally, the high APR after the intro period means it’s best for users who can pay off their balance in full each month.

Overall, the Wells Fargo Autograph is a solid card for those who want a simple, high-earning rewards structure with flexible redemption options. If you’re looking for a reliable, fee-free rewards card, this one is worth considering.