The Wells Fargo Autograph℠ Visa Signature Card is designed to make every purchase count, whether you’re dining out, traveling, or even filling up your gas tank. With its extensive rewards program and no annual fee, this card offers flexibility and convenience for people who want to make the most out of their daily spending. It’s not just about earning points — it’s about enhancing your lifestyle while keeping your finances under control.

With benefits that go beyond just points, like cell phone protection, travel perks, and no foreign transaction fees, the Autograph Card stands out in a crowded market. Whether you’re a frequent traveler, a foodie, or someone who simply loves rewards, this card can fit seamlessly into your financial routine.

Key information about the Wells Fargo Autograph℠ Card

How does the annual fee work?

One of the standout features of the Wells Fargo Autograph℠ Visa Signature Card is its $0 annual fee. This can be a huge advantage for cardholders who are looking to maximize their rewards without the burden of recurring yearly costs.

For many, a $0 annual fee means they can fully enjoy the card’s benefits and rewards without needing to calculate whether the rewards will offset the cost of holding the card. It’s perfect for people who want simplicity and value in their credit card experience.

How is the credit limit determined?

The credit limit on your Wells Fargo Autograph℠ Card will depend on a variety of factors. Wells Fargo evaluates your creditworthiness, including your credit score, income, and debt-to-income ratio, to determine an appropriate limit. For conventional credit cards like this one, your limit is based on your overall financial profile.

If you’re someone who manages their credit responsibly and has a good or excellent credit score, you’re likely to qualify for a higher limit. Wells Fargo also periodically reviews your account, and if you maintain a good payment history, you might see your credit limit increase over time.

Benefits of the Wells Fargo Autograph℠ Visa Signature Card

The Wells Fargo Autograph℠ Card is loaded with benefits that cater to a wide range of lifestyles. Here’s a closer look at some of the standout perks:

• Earn 3X Points on Popular Categories: Enjoy triple points on categories like dining (including takeout and delivery), travel, gas, transit, popular streaming services, and phone plans.
• 1X Points on Everything Else: Even for purchases outside the main categories, you’ll still earn 1 point for every dollar spent.
• No Foreign Transaction Fees: Use your card abroad just like you would at home, without worrying about extra fees for converting currencies.
• Cell Phone Protection: Get up to $600 in cell phone protection if your phone is damaged or stolen, with a small $25 deductible.
• Visa Signature Perks: Take advantage of premium services like 24/7 Visa Signature Concierge and access to the Visa Signature Luxury Hotel Collection for exclusive benefits.
• Zero Liability Protection: Stay protected from unauthorized transactions, provided you report any suspicious activity promptly.

Standout benefit: The 3X Rewards Structure

The most impressive feature of the Wells Fargo Autograph℠ Visa Signature Card is undoubtedly its 3X points structure on multiple categories. From dining to travel to phone plans, the 3X rewards cover a lot of ground, making it easy for cardholders to earn points on things they likely already spend money on.

Whether you’re grabbing takeout, booking a flight, or paying for gas, you’ll be racking up points fast. Plus, with no cap on how many points you can earn, the rewards just keep coming.

Disadvantages of the Wells Fargo Autograph℠ Visa Signature Card

While the Autograph℠ Card offers plenty of perks, no card is perfect. Here are a few potential downsides:

• High APR after the Introductory Period: Once the 0% APR for the first 12 months ends, the APR can go as high as 29.74%, which could be steep if you carry a balance.
• No Introductory Balance Transfer Offer: While the card offers a 0% intro APR on purchases, it doesn’t extend this offer to balance transfers.
• Not Ideal for Big Spenders in Non-Bonus Categories: If most of your spending doesn’t fall within the 3X bonus categories, you may find the 1X points on other purchases less competitive.

Standout disadvantage: The High Variable APR

One of the key drawbacks of the Wells Fargo Autograph℠ Visa Signature Card is the potential for a high APR after the introductory 12-month period. With rates ranging from 19.74% to 29.74%, it’s essential to pay off your balance in full each month to avoid accruing interest. For cardholders who may carry a balance, this high APR could outweigh the rewards benefits.

Who can apply for the Wells Fargo Autograph℠ Visa Signature Card?

The Wells Fargo Autograph℠ Card is generally available to U.S. residents who meet the following criteria:

• Age: You must be at least 18 years old to apply.
• Income: While there isn’t a strict minimum income requirement, you will need to provide proof of income during the application process.
• Creditworthiness: A good to excellent credit score (typically 670 or above) will improve your chances of approval.
• Legal Status: Applicants must have a valid Social Security Number or Individual Taxpayer Identification Number.
• No Negative Marks: If your credit history shows delinquencies, bankruptcies, or other major issues, approval may be difficult.

How to apply for the Wells Fargo Autograph℠ Visa Signature Card

Online

Visit the Wells Fargo website and navigate to the credit card section. From there, you can find the Wells Fargo Autograph℠ Card and click “Apply Now.” You’ll need to provide personal and financial information, such as your name, address, income, and Social Security Number. The online application process typically takes just a few minutes, and you may receive a decision almost immediately.

Through the App

If you prefer, you can also apply using the Wells Fargo mobile app. Simply log into your account or create one, navigate to the credit card section, and follow the prompts to apply. The process is just as quick and convenient as applying online.

In-Person at a Branch

For those who prefer face-to-face interaction, you can visit a Wells Fargo branch to apply for the card in person. A bank representative will assist you with the application process, answer any questions you may have, and provide personalized recommendations based on your financial situation.