How to Apply for your Wells Fargo Autograph Credit Card

The Wells Fargo Autograph Credit Card is designed for U.S. consumers aiming to maximize rewards on their everyday purchases, providing significant value through its robust points program and exclusive benefits. Wells Fargo, a household name in the American banking sector, manages and issues this card, ensuring full integration with their contemporary digital financial services.

Whether used domestically or overseas, the Wells Fargo Autograph Card stands out for its no foreign transaction fees, triple points in essential spending categories, and 24/7 digital management. Its mission is clear: deliver straightforward, uncapped rewards while removing the headaches of rotating categories, limits, or complicated qualifications. This commitment to usability and value is seen right at the start, with a competitive sign-up bonus and an introductory 0% APR on purchases.

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Key Features and Core Benefits of the Wells Fargo Autograph

The Wells Fargo Autograph Card’s strongest appeal is its triple points structure: you earn 3x points per $1 for purchases in the following categories: travel (airfare, hotels, rental cars, cruises), dining (including takeout and delivery), gas stations (and EV charging), transit (public transportation, rideshares, parking, tolls), popular streaming services, and phone plans. All other purchases earn 1x points, with no caps or limit on the total points you can accrue.

The detailed list of benefits is:

• No annual fee – A rare feature among cards with strong everyday and travel rewards.
• No foreign transaction fees – Ideal for international travelers and online shoppers alike.
• Cell phone protection – Up to $600 in coverage against damage or theft (subject to a $25 deductible) when you pay your monthly cell phone bill with the card.
• Rental car insurance – Auto rental collision damage waiver covers theft, damage, and certain fees imposed by rental agencies.
• Travel & emergency assistance – 24/7 access to Visa assistance for medical, legal, or travel emergencies.
• Roadside dispatch® – On-demand roadside help, including towing and locksmith services (fees apply).
• Visa Signature® Concierge – Assistance with reservations, event tickets, and travel planning.
• Travel protections – Emergency cash disbursement, card replacement, zero liability protection, and more.
• 0% intro APR – Introductory 0% APR on purchases for 12 months from account opening, then a variable APR between 19.24% and 29.24%.
• Bonus offer – 20,000 bonus points when you spend $1,000 in purchases within the first 3 months (worth $200 cash redemption).
• Visa Signature Access: Enjoy perks like the Visa Signature Luxury Hotel Collection for added value on travel stays.

Requirements – Eligibility and Application Prerequisites

To be eligible for the Wells Fargo Autograph Card, applicants should:

• Be at least 18 years old (or age of majority in their state).
• Have a valid U.S. address and Social Security Number or ITIN.
• Possess a good to excellent credit score.
• Demonstrate the ability to repay (income, employment, and debt analysis).
• Not have opened another Wells Fargo-branded consumer credit card in the last 6 months.

Certain applicants may not qualify for sign-up bonuses if they’ve had a similar Wells Fargo card within the past 48 months. Credit approval is determined by Wells Fargo’s underwriting criteria, which evaluate credit history, debt-to-income ratio, and other relevant financial information.

About Wells Fargo: A Financial Leader with a Century-Long Legacy

Founded in 1852, Wells Fargo & Company stands as one of the largest, oldest, and most trusted banks in the U.S. market. From its storied stagecoach icon to its modern digital banking innovations, Wells Fargo blends heritage with forward-thinking technology for personal and commercial finance.

Wells Fargo’s expansive network features thousands of retail branches and ATMs, as well as 24/7 online and mobile services. Its longevity and reputation for reliability, security, and consumer-focused banking underline the trustworthiness of the Wells Fargo Autograph credit card and its related services.

Who Is This Card For?

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The Wells Fargo Autograph Card is crafted for U.S. residents seeking to maximize everyday spending and travel rewards—without incurring annual fees. It’s particularly attractive to:

• Frequent travelers (domestic and international)
• Individuals or families who spend heavily on dining, gas, transit, streaming, and mobile phone bills
• Users looking for hassle-free, no-caps on rewards
• Consumers who value enhanced digital account management and mobile access
• People just starting to explore travel cards but want a low-commitment, high-reward product

This card is less suitable for those looking to build or rebuild credit, as it favors applicants with established credit backgrounds.

Step-by-Step Guide to Apply for the Wells Fargo Autograph Card

Ready to apply? The process is fully digital, convenient, and can be completed in under 15 minutes:

1. Visit the official page: Apply online here.
2. Click “Apply Now” and begin the application form.
3. Provide essential personal details—name, address, date of birth, Social Security Number or ITIN, employment, and income information.
4. Consent to a credit check and review legal disclosures.
5. Submit your application for a response—many applicants receive a decision within seconds; others may require additional review.
6. Upon approval, you may be able to add your card to a digital wallet before the physical card arrives by mail within a few business days.

How to Activate Your Card

Once your Wells Fargo Autograph Card arrives, you can activate it through multiple channels:

• Sign in to your Wells Fargo Online or Mobile app and follow the activation prompts.
• Call the activation number on the sticker attached to the new card.
• Visit a Wells Fargo branch with valid identification.

Activation is typically instantaneous—once complete, you can set up digital wallet access and begin using your card immediately for purchases or bill payments.

Pros and Cons of the Wells Fargo Autograph Credit Card

Pros:

• No annual fee
• Generous 3x points on multiple everyday and travel categories
• No foreign transaction fees
• Robust cell phone protection
• Flexible, uncapped rewards with clear redemption options
• Travel, car rental, and entertainment protections
• Introductory 0% purchase APR for 12 months

Cons:

• High ongoing variable APR (up to 29.24%) after intro period
• No introductory balance transfer offer
• Bonus categories tailored to certain lifestyles—not all spenders will optimize the 3x points
• Benefits and credit lines may not match premium travel cards with annual fees
• Earnings on non-bonus categories drop to a standard 1x point per dollar

Fees and Charges

• Annual fee: $0
• Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater
• Cash advance fee: Either $10 or 5% of each advance, whichever is greater
• Foreign transaction fee: $0
• Late payment fee: Up to $40
• Ongoing APR (Purchases/Balance Transfers): 19.24%, 24.24%, or 29.24%

Wells Fargo Autograph Visa Card terms and conditions

Customer Service

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Need assistance with your Wells Fargo Autograph? Reach out to Wells Fargo’s dedicated credit card support team:

• Customer Support: Dial 1-800-642-4720 to speak with a representative.
• ATM & Branch Locator: Find nearby locations using the ATM/Branch Finder tool.
• Support & FAQs: Check the Help Center for answers to frequently asked questions.
• Secure Messaging: Log in to your account to access email or live chat options.