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Wells Fargo Autograph® Card

Wells Fargo Rewards
Welcome bonus
20,000 points
≈ $300 at 1.5¢ per point
after $1,000 spend in 3 months
Annual fee$0 
Value per point~1.5¢median of 5 published valuations
First-year value*$1,124easy credits counted · $1,124 with none
Year 2+ value*$824each year after the first, after the fee · $824 with no credits
$0 fee vs $0 in stated credits a yearFace value. You’d use $0 by our default → yearly cost after year 1 $0 ↓
Worth ~1.5¢/pt, median of 5 published valuations

Range 1.4–2.39¢. No published value from Bankrate, One Mile at a Time. Checked 2026-10-23. How we use these

See the offer on Wells Fargo’s site ↗ Run your own numbers

Data checked by Chris Manns · Last updated October 23, 2026

Source: Wells Fargo card page · checked October 23, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the community value of 1.5¢ per point (median of published valuations) — see method.

Credits & perks

Annual fee$0
vs
Stated credits a year$0face value, as Wells Fargo states it
Face value isn’t real value. A $25-a-month credit for something you’d never buy is worth $0 to you, and most credits are use-it-or-lose-it by month, quarter or half-year. Tick only what you’d spend on anyway.

No statement credits are listed on the issuer page.

Perks with no stated $ value

Lounges, status, bags and similar. We don’t put a number on these unless the issuer does.

  • insurance Cell phone protection up to $600

Source: Wells Fargo card page and benefit terms · checked 2026-10-23.

How it earns

  • 3x Dining & takeout, Flights (booked with the airline), Hotels (booked with the hotel), Other travel, Travel booked on the card’s own travel site, Gas & EV charging
  • 1x everything else
  • 3x on restaurants, travel, gas stations, transit, popular streaming and phone plans.

Offer details

  • 20,000 points after $1,000 in 3 months

Annual fee $0. Credits from the issuer page are in Credits & perks above.

Questions about the Wells Fargo Autograph

What is the Wells Fargo Autograph welcome bonus?

20,000 points after $1,000 in 3 months, about $300 at the median published point value, per Wells Fargo’s card page checked October 23, 2026.

What is the Wells Fargo Autograph annual fee?

$0, as listed on Wells Fargo’s page on October 23, 2026.

How much are its points worth?

About 1.5¢ each: the median of 5 published valuations (range 1.4–2.39¢), checked October 23, 2026.

What credits does the Wells Fargo Autograph include?

Wells Fargo’s page lists no statement credits for this card.

Is the Wells Fargo Autograph worth it?

It depends on your spending. At our sample profile ($31,100 a year, easy credits only) it comes to $1,124 in the first year and $824 each year after (Year 2+ value, after the annual fee). Enter your own numbers in the calculator.

The math at our sample profile

Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.

Welcome bonus: 20,000 points × 1.5¢$300
A year of earning: 54,900 points × 1.5¢$824
Annual fee−$0
First year / Year 2+$1,124 / $824

Use my own spending →

Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.