Is the Wells Fargo Autograph Card worth a spot in your wallet?
The honest math on the Wells Fargo Autograph Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.
Wells Fargo · No annual fee · earns Wells Fargo Rewards
Earning rates
- 3x Restaurants, bars, takeout & catering
- 3x Airlines
- 3x Hotels, motels, campgrounds & timeshares
- 3x Car rentals, cruises, travel agencies & transit
- 3x Gas stations & EV charging
- 3x Streaming services & entertainment
- 3x Cell phone & landline providers
- 1x Everything else
Protections and perks (3)
- No Foreign Transaction Fees — No surcharge on purchases abroad — unlike the sibling Active Cash and Reflect cards, which both charge 3%.
- Cell Phone Protection — Up to $600 per claim for damage or theft when you pay your monthly cell phone bill with the card ($25 deductible).
- Auto Rental Collision Damage Waiver — Collision/theft coverage on rentals paid with the card, up to $50,000 — secondary to your personal auto policy in the US, primary outside the US.
Card data verified against Wells Fargo on 2026-08-21.
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