Wells Fargo Autograph

A no-fee rewards card with 3x on a wide set of everyday categories: dining, travel, gas, transit, streaming and phone plans.

Who it's for

This card fits you if you want strong rewards on common spending without an annual fee. You earn 3x points on dining, travel, gas, transit, popular streaming services and phone plans, and 1x on everything else. There's also 0% intro APR for 12 months on purchases. It's one of the broadest sets of bonus categories you'll find on a no-fee card.

Who should skip it

Skip it if groceries are your biggest expense, since groceries aren't in the 3x list. If you want the same rate on everything, a flat 2% card may be simpler. And if you can't pay off purchases within the intro period, keep in mind the regular APR is high.

How to get the most from it

Use it for restaurants, gas, transit, travel, your phone bill and streaming, where it earns 3x. Put your phone bill on autopay with this card and you'll earn 3x every month without trying. Use a grocery card or a flat 2% card for other purchases. It has no foreign transaction fees, so it's a good card to bring on trips.

Pros

• 3x on dining, travel, gas, transit, streaming and phone plans
• No annual fee
• 0% intro APR for 12 months on purchases
• No foreign transaction fees

Cons

• No bonus on groceries
• 1x on everything else
• High regular APR after the intro period

Frequently asked questions

Is the Wells Fargo Autograph worth it?

For a no-fee card, it's one of the most rewarding on everyday categories like dining, gas and phone plans.

Does the Autograph earn 3x on groceries?

No. Groceries earn 1x. Dining, travel, gas, transit, streaming and phone plans earn 3x.

Autograph or Autograph Journey?

The Autograph Journey has a $95 annual fee and is aimed at frequent travelers. The Autograph has no fee and broader everyday categories.

Can you use the Autograph abroad?

Yes, it has no foreign transaction fees.