Wells Fargo · Visa · personal · Wells Fargo Rewards
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$0
annual fee
0%
foreign txn fee
$0
credits/yr realistic ($0 face)
$320
sign-up bonus ≈ 20000 points after $1,000/3mo
Earning
| Dining & restaurants | 3x | 4.8% |
| Travel (general) | 3x | 4.8% |
| Gas stations | 3x | 4.8% |
| EV charging | 3x | 4.8% |
| Transit | 3x | 4.8% |
| Streaming services
Popular streaming services
|
3x | 4.8% |
| Phone, internet, cable
Phone plans
|
3x | 4.8% |
| Everything else | 1x | 1.6% |
Right column: value per $ at travel valuation (1.6¢/pt). 1¢ cash; transfers (Autograph cards) to Air France-KLM, Avianca, BA, Iberia, Virgin, Choice.
Credits
None.
Benefits
- No foreign transaction fees
- Cell phone protection — Up to $600 per claim, 2 claims/yr, $25 deductible
- Transfers to Wells Fargo partners (Air France-KLM, Avianca, British Airways, Choice, Virgin Atlantic…)
- 0% intro APR 12 months
- No annual fee
Protections
| rental car | secondary |
| cell phone | Up to $600 per claim, 2 claims/yr, $25 deductible |
Notes
WEB-VERIFIED 2026-09-08 against https://www.bankrate.com/credit-cards/reviews/wells-fargo-autograph-card/: $0 fee, 3x restaurants, travel, gas, transit, streaming, phone plans, cell phone protection $600/claim, 20k after $1k, no FTF (Bankrate, Aug 3 2026). Protections still from model knowledge.