Wells Fargo Autograph
3x on travel, dining, gas, transit, streaming and phone plans. Free.
★ 8.3/10Wells FargopersonalWells Fargo Rewards
View Current OfferBest for: No-fee category coverage
Welcome Bonus
20,000
≈$200 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Sign-Up Bonus (points)Spending Requirement ($)
Last verified 2026-01-15 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 3xRestaurants, travel, gas, transit, streaming, phone plans
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No FTF
- ✦Cell phone protection
- ✦Points transfer when paired with Autograph Journey
Why it earns its spot
- +Six 3x categories with no fee is unmatched
- +No FTF makes it a real travel companion
Where it costs you
- −Transfer partner list is short
- −Point value capped without the Journey
The Compound Verdict
Pound for pound the best no-fee category card. If you refuse annual fees entirely, this plus a 2% card covers nearly everything.
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