Wells Fargo Autograph Card
- Wells Fargo Rewards transfer 1:1 to most airline/hotel partners, but Choice and Wyndham are 1:2. Standard welcome offer is 20,000 points; watch for elevated 30,000-point offers.
A no-fee powerhouse for everyday spend: 3X points on restaurants, travel, gas, transit, streaming, and phone plans - six of the categories most people actually use - and Wells Fargo Rewards that transfer to airline and hotel partners. Hard to beat at $0 a year.
Welcome bonus
What you get for signing up and hitting the minimum spend.
20,000 Wells Fargo Rewards · $1,000 spend in 3mo
See the offer →
Welcome bonus
What you get for signing up and hitting the minimum spend.
20,000 Wells Fargo Rewards · $1,000 spend in 3mo
20,000 Wells Fargo Rewards after spending $1,000 in the first 3 months.
Earn 20,000 bonus points after $1,000 in purchases in the first 3 months. Elevated 30,000-point offers (after $1,500) appear periodically.
Earn rates
How many points per dollar across categories.
7 categories · top rate 3x
See the multipliers →
Earn rates
How many points per dollar across categories.
7 categories · top rate 3x
Card-level multipliers. Earn currency: Wells Fargo Rewards.
| Category | Rate | Notes |
|---|---|---|
| Dining | 3x | 3X points at restaurants (including fast food and food-serving grocery). |
| Travel | 3x | 3X points on travel (travel agencies, discount travel sites, and more). |
| Gas | 3x | 3X points at gas stations. |
| Transit | 3x | 3X points on transit. |
| Streaming | 3x | 3X points on popular streaming services. |
| Telecom | 3x | 3X points on phone plans (landline and cell phone providers). |
| All other purchases | 1x | 1X points on all other purchases. |
Transfer partners
Where you can move your Wells Fargo Rewards to airline + hotel programs.
11 partners
Meet the partners →
Transfer partners
Where you can move your Wells Fargo Rewards to airline + hotel programs.
11 partners
Points earned with this card transfer to 11 partner programs via Wells Fargo Rewards.
| To | Ratio | Notes |
|---|---|---|
| Aer Lingus AerClub | 1:1 | No transfer fee. AerClub Avios. |
| Flying Blue | 1:1 | No transfer fee. Air France-KLM; monthly Promo Rewards discounts. |
| Avianca LifeMiles | 1:1 | No transfer fee. LifeMiles; no fuel surcharges on Star Alliance. |
| Avios | 1:1 | No transfer fee. British Airways Executive Club; Avios usable across the BA/Iberia/Aer Lingus family. |
| Cathay Pacific Asia Miles | 1:1 | No transfer fee. Asia Miles; added 2026. |
| Club Iberia Plus | 1:1 | No transfer fee. Iberia Plus Avios. |
| JetBlue TrueBlue | 1:1 | No transfer fee. TrueBlue; added late 2025. |
| Virgin Atlantic Flying Club | 1:1 | No transfer fee. Flying Club; books ANA and Delta One sweet spots. |
| Choice Privileges | 1:2 | No transfer fee. 1,000 points = 2,000 Choice Privileges (ratio in your favor). |
| Wyndham Rewards | 1:2 | No transfer fee. 1,000 points = 2,000 Wyndham Rewards; added 2026. |
| Virgin Red | 1:1 | No transfer fee. Virgin Group rewards club; listed under WF Travel & Experiences and moves 1:1 on to Virgin Atlantic Flying Club. |
Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
2 benefits
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Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
2 benefits
Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
1 benefit
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Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
1 benefit
Transfer partner perks
Partners this card unlocks for point transfer.
1 benefit
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Transfer partner perks
Partners this card unlocks for point transfer.
1 benefit
Other
Other perks on this card.
2 benefits
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Other
Other perks on this card.
2 benefits