Is the Wells Fargo Premier Autograph Card worth $95/yr?

The honest math on the Wells Fargo Premier 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 — against the $95 annual fee.

Wells Fargo · $95 annual fee · earns Wells Fargo Rewards

By invitation only — no public application; offered to qualifying relationship clients.

Earning rates

5x Hotels, motels & timeshares
4x Airlines
3x Restaurants, bars, fast food & catering
3x Car rentals, cruises, travel agencies, campgrounds & timeshares
1x Everything else

Statement credits (2)

Annual Airline Statement Credit — $50 statement credit each year on your first airline purchase of at least $50.
Global Entry / TSA PreCheck Credit — Up to $120 statement credit once every 4 years for a Global Entry or TSA PreCheck application/renewal fee.

Protections and perks (9)

No Foreign Transaction Fees — No surcharge on purchases abroad.
Cell Phone Protection — Up to $1,000 per claim for damage, theft, or involuntary parting when you pay your monthly cell phone bill with the card ($25 deductible).
Primary Auto Rental Collision Damage Waiver — Primary collision/theft coverage on rentals paid with the card, up to $50,000, for up to 31 days in the US or abroad — decline the counter CDW.
Extended Warranty Protection — Adds 12 months to an eligible US manufacturer's warranty of 36 months or less.
Purchase Security — New purchases covered for 90 days against damage or theft, up to $10,000 per item.
Trip Delay Reimbursement — $300 per day per traveler (up to 3 days, $1,800 per trip) when a common-carrier trip is delayed 6+ hours.
Lost Baggage Reimbursement — Up to $3,000 per trip (all covered travelers combined) if checked or carry-on baggage is lost due to theft or misdirection by a common carrier.
Trip Cancellation / Interruption — Up to $15,000 per covered traveler per trip ($20,000 per account per 12 months) for prepaid, non-refundable travel cancelled or cut short for a covered reason.
Worldwide Automatic Common Carrier Travel Accident Insurance — Up to $1,000,000 in accidental death/dismemberment coverage when common-carrier fare is paid with the card.

Recent changes to this card's data

2026-08-27 — Wells Fargo Premier Autograph Card (new card)

$95 annual fee, no foreign transaction fees (Account Agreement pricing addendum).
Earning: 5x hotels, 4x airlines, 3x restaurants, 3x other-travel (car rentals/cruises/travel agencies/campgrounds/timeshares), 1x everything else — no caps found (Wells Fargo Rewards Program Terms and Conditions Addendum for this card, consumercard.wellsfargorewards.com).
$50 annual airline statement credit (first $50+ direct airline purchase each year) — mechanically identical to the sibling Autograph Journey card's credit.
Global Entry/TSA PreCheck credit up to $120 every 4 years (sharedKey: "trusted-traveler", pools with other cards' credits).
Cell phone protection: $1,000/claim, $25 deductible, $2,000/2-claim cap per 12 months — identical to Autograph Journey.
Primary auto rental CDW, up to $50,000, 31 consecutive days in the US or abroad (primary even domestically, except secondary for New York residents) — richer than the sibling Autograph/Autograph Journey cards' 15-day, US-secondary coverage.
New coverages not on any sibling Wells Fargo card: extended warranty ($10k/item, $50k/12mo), purchase security ($10k/item, $50k/12mo), trip delay ($300/day/traveler, 3-day/$1,800 max), lost baggage ($3,000/trip), trip cancellation/interruption ($15,000/traveler/trip, $20,000/12mo), and $1,000,000 common-carrier travel accident insurance — all from the card's own Guide to Benefits.
Sources: wellsfargo.com/credit-cards/documents/ (the per-product document index — used since there's no live marketing landing page), the card's Guide to Benefits and Account Agreement documents, its Rewards Program Terms and Conditions Addendum, plus FrequentMiler, Doctor of Credit, US Credit Card Guide, and drcreditcard.net for the eligibility/distribution model.
Omitted (issuer/network-generic, per convention): Visa Infinite Luxury Hotel Collection, Relais & Chateaux, Visa Infinite Concierge, and Avis/ National/Silvercar rental privileges — real per secondaries, but no card in this dataset prices issuer/network concierge or hotel-collection perks, and Wells Fargo's own Guide to Benefits doesn't publish dollar terms for them.
annual-airline-credit carries the new sharedKey: "airline-purchase" (overlap: "stacks"), shared with the Autograph Journey's identical credit (see that card's entry below).

Card data verified against Wells Fargo on 2026-08-27.

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