Wells Fargo Autograph? Card

Wells Fargo Autograph? Card Review

This is a cashback card issued by Wells Fargo Bank. If you're wondering whether Wells Fargo Autograph is the right card for you, read on.

Key Takeaways

• Signup bonus. Offers a signup bonus of 30000 points after spending $1,500 within 3 months that can be redeemed for travel, gifts, or other perks.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.24% up to 27.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• Annual fee waived the first year. Wells Fargo Autograph? Card gives you the chance to have the card for a year without paying the $0 annual fee.
• 3% Balance transfer fee. Wells Fargo Autograph? Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of Wells Fargo Autograph

The Good

The Bad

No annual fee. Annual fee waived during the first year. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Free access to your credit score. Travel accident and travel assistance insurance. Trip cancellation insurance. Cardholders can earn rewards on purchases everywhere Wells Fargo Autograph? Card is accepted. Wells Fargo Autograph? Card reports to multiple credit bureaus.

Higher than average purchase APRs. You need good credit to qualify. Charges a 3% balance transfer fee.

Wells Fargo Autograph FAQ

Does Wells Fargo Autograph have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Wells Fargo Autograph Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)
Signup Bonus (Points/Miles)	30000
Signup Bonus Spend Requirement	$1500
Signup Bonus Spend Period (months)	3 months

What are the Wells Fargo Autograph benefits?

It provides the following benefits:

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Emergency Support
• Trip Cancellation Insurance
• Zero fraud liability
• Travel Accident Insurance
• Free Credit Report
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Wells Fargo Autograph?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Wells Fargo Autograph? Card has a variable purchase APR that ranges from 17.24% up to 27.24%. It also has a variable cash advance APR of 28.24% .

What are the fees for Wells Fargo Autograph?

The following fees apply:

Wells Fargo Autograph Fees

Fees	Amount
Annual Fee	$0
Late Payment Fee	$40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Wells Fargo Autograph? Card report your account activity to credit bureaus?

Yes, Wells Fargo Autograph? Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Wells Fargo Autograph

• Visit the Wells Fargo Autograph website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.