Points · Visa · No annual fee
Last verified 2026-09-09. Review issuer source
Wells Fargo Autograph is a no-annual-fee points card from Wells Fargo. Its best everyday rates are 3x on dining, 3x on gas stations, and 3x on streaming services; everything else earns 1x.
On our reference budget of $24,600 a year it returns about $450, an effective 1.8% back. The welcome bonus, 20,000 points after $1,000 in 3 months, adds to the first year's return.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down.
Earn unlimited 3X points - Restaurants: dining in, take-out, catering, delivery and more
Earn unlimited 3X points - Gas: gas stations and electric vehicle charging stations
Earn unlimited 3X points - Popular Streaming Services: content at home or on the go
Earn unlimited 3X points - Phone Plans: cell phone and landline providers
Earn unlimited 3X points - Transit: subways, ride shares, parking, tolls and more
Earn unlimited 3X points - Transit: subways, ride shares, parking, tolls and more
Earn unlimited 3X points - Travel: airfare, hotels, car rentals, cruises and more
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value
Covers theft, damage, valid loss-of-use charges imposed and substantiated by the rental company, administrative fees and reasonable and customary towing charges to the nearest qualified repair facility.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.
With Credit Close-Up you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO® Score updates and personalized credit insights. It’s complementary to Wells Fargo Online® customers and using it won’t negatively affect your score. For additional information, visit wellsfargo.com/ficoscore.
Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties. Learn more about the Visa Signature Hotel Collection at VisaSignatureHotels.com.
A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them. For assistance, call 1-800-847-2869. Refer to your Guide to Benefits for more information. Terms apply.
These come from Visa, not from Wells Fargo. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Get exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Get assistance with travel planning, entertainment tickets and more.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Wells Fargo Autograph℠ This card · 3x on dining | None | $450 | +$450 | 307th of 1,291 |
| Wells Fargo Active Cash®Wells Fargo's most-held other card · 2% on everything | None | $492 | +$492 | 284th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
