💳 This Card is Your Ticket to High-Flying Rewards 🚀 Meet the Wells Fargo Autograph - Your First Class Companion

 

 

Table of Contents

 

- [Introduction to the Wells Fargo Autograph Card]

- [Card Benefits and Features]

  - [Earning and Redeeming Rewards Points]

  - [Insurance Coverage]

  - [Other Benefits]

- [Eligibility and Approval Odds]

  - [Credit Score Needed]

  - [Income Requirements]

- [Costs and Fees]

  - [Annual Fee]

  - [Foreign Transaction Fee]

  - [Cash Advance Fee]

  - [Late Payment Fee]

- [How It Compares to Other Cards]

- [Is the Wells Fargo Autograph Card Right for You?]

- [How to Apply]

- [Conclusion]

- [FAQs]

 

 Introduction to the Wells Fargo Autograph Card

 

The Wells Fargo Autograph Card is a premium travel rewards credit card targeted towards frequent travelers. It offers generous rewards rates, valuable travel protections and benefits, and a big welcome bonus that can help cardholders offset the $0 intro annual fee for the first year. 🛫

 

With no foreign transaction fees charged, the Autograph card can be an excellent option for international trips. The card is issued by Wells Fargo bank, which has a large ATM and branch network for account access and customer service.

 

So, what makes this card stand out from the competition? Let's take a closer look at the key benefits and features.

 

 Card Benefits and Features

 

The Wells Fargo Autograph card comes packed with some great perks for travelers and everyday purchases.

 

 Earning and Redeeming Rewards Points

 

You'll earn unlimited 3X points on travel, dining, streaming services, transit, popular online shopping portals, phone plans, and EV charging stations. That's an excellent return compared to many other travel rewards cards.

 

All other purchases earn 1X point per $1 spent.

 

The points can be redeemed for cash back, gift cards, travel, merchandise, and more. Each point is worth approximately 1 cent when redeemed for travel via the Wells Fargo travel portal, which is an average redemption value.

 

There's also a 50,000-point sign-up bonus after spending $3,000 in purchases within 3 months of account opening. Plus, up to $300 in annual statement credits for streaming services, transit, and select dining purchases. 💰

 

 Insurance Coverage

 

The Wells Fargo Autograph card provides decent travel insurance coverage including:

 

- Trip cancellation/interruption insurance

- Lost/damaged luggage reimbursement

- Rental car collision damage waiver

- Travel accident insurance

- Emergency evacuation/transportation coverage

- Roadside dispatch service

 

Just pay for the trip with the card and you're covered.

 

 Other Benefits

 

Additional cardholder perks include:

 

- ✔️ No foreign transaction fees

- Complimentary upgrades and savings from hotels & car rental partners 

- Primary auto rental insurance

- Extended warranty protection

- Return protection on eligible purchases

- Virtual card numbers for secure online shopping

- No blackout dates on redeeming rewards points & cash rewards don't expire for purchases

 

 Eligibility and Approval Odds

 

The Autograph card is one of Wells Fargo's premium card offerings. Who can qualify for this travel rewards credit card?

 

 Credit Score Needed

 

You will need good to excellent credit for approval, which is a FICO score of at least 690+. The higher your score, the better odds for getting approved.

 

 Income Requirements

 

There are no publicly disclosed minimum income requirements but this card generally prefers higher income applicants with $100,000+ in annual personal or household income. Make sure you can meet the minimum spending requirement within the first 3 months as well.

 

As with any credit card, your approval odds depend on your entire credit profile including score, income, and other factors.

 

 Costs and Fees 

 

Let's outline the major costs associated with the Wells Fargo Autograph card:

 

 Annual Fee

 

There is a $0 intro annual fee for the first year, then $250 per year. Authorized users are $35 per year.

 

The annual fee is a bit steep but can be offset by the card's valuable perks, rewards earnings, and statement credits offered.

 

 Foreign Transaction Fee

 

There are no foreign transaction fees which is excellent for international travelers who will save 3% on purchases abroad. 📈

 

 Cash Advance Fee

 

Cash advance fees apply:

 

- $10 or 5% (whichever is greater)

- No grace period, interest starts immediately

 

Best to avoid cash advances which are costly.

 

 Late Payment Fee

 

The late fee is up to $40. Please pay on time each month!

 

As you can see, the main cost is the annual fee but first year free. The rest is easily avoidable by paying on time and not taking cash advances.

 

 How It Compares to Other Cards 

 

How does the Autograph card stack up to other premium travel rewards cards like the Chase Sapphire Reserve or Amex Platinum? 🤔

 

The Wells Fargo Autograph card earns more points on travel & transit compared to CSR and Plat, with 3X points versus 2X or 3X points on airfare only. Plus no annoying $550+ annual fees to deal with!

 

But the Sapphire Reserve and Platinum cards generally have better travel perks, protections, airport lounge access, and bonuses. The Autograph card is not a Visa Infinite or Mastercard Black Card tier either.

 

Yet as no annual fee go, it beats free travel cards for earnings potential given the much higher multipliers. If you want simpler travel rewards without ultra premium card fees or complexity, the Wells Fargo Autograph is a nice fit.👍

 

 Is the Wells Fargo Autograph Card Right for You?

 

The Autograph card makes sense for these types of cardholders: 

 

✔️ Frequent travelers who can maximize the 3X reward categories 

✔️ People who dine out and use transit/streaming services regularly 

✔️ Anyone wanting travel protections without paying high annual fees 

✔️ Those who frequently shop at online retailers 

 

This card particularly suits Wells Fargo customers wanting a premium card with better rewards and benefits compared to basic no-fee cash back cards.

 

But anyone meeting approval criteria could benefit from this card and take advantage of its perks! 😎

 

 How to Apply 

 

Ready to apply for the Wells Fargo Autograph Card? Here are the easy steps:

 

1. Go to (wellsfargo.com) and navigate to the credit cards section

2. Click "Learn more" on the Autograph card then "Apply now"

3. Fill out the secure online application with your information 

4. Submit application and review terms while waiting for a decision

5. If approved, activate card when received by phone or online

 

Once approved, you can immediately take advantage of mobile wallet payments like Apple Pay while waiting for your physical contactless card to arrive by mail shortly after.😄

 

Apply today to earn the current welcome bonus and start earning unlimited 3X points on common purchases!

 

 Conclusion 

 

For frequent travelers desiring a premium card without paying exorbitant annual fees, the Wells Fargo Autograph card is a fantastic option.

 

The lucrative 3X rewards on travel, transit, and common purchases combined with good travel benefits make this card rewarding to use.👌 While it may not rival ultra-premium cards for perks, it also costs several hundred dollars less yearly.

 

So carry this card wisely, take those amazing trips abroad sans foreign fees, and enjoy earning points towards your next adventures with Wells Fargo! ✈️

 

What questions about this card still remain? Now let's cover some common FAQs travelers have:

 

 FAQs

 

What is the APR on the Wells Fargo Autograph card?

 

The APR ranges from 16.99% to 26.99% variable depending on your creditworthiness when approved for the card. This is a typical range for premium travel rewards credit cards.

 

Is there a sign-up bonus for authorized users?

 

At this time there is no additional welcome bonus for adding authorized users. Only the primary cardholder can earn the initial 50,000-point sign-up bonus.

 

Are there any weight or size restrictions for lost/damaged luggage coverage?

 

Yes - the maximum weight per bag cannot exceed 100 lbs. Certain limitations and exclusions on coverage amounts also apply depending on if domestic or international travel. Please refer to full insurance terms for additional baggage coverage details.

 

Can points be transferred to airline/hotel loyalty programs?

 

Unfortunately points cannot be transferred to any airline miles or hotel rewards programs directly. You must redeem earned points via the Wells Fargo travel portal to book travel.

 

What types of purchases qualify for the streaming and transit bonus categories?

 

Authorized streaming services including Spotify Premium, Hulu, Netflix, HBO Max and more qualify. Transit includes rideshares, taxis, tolls, buses and commuter transportation services. See program site for full merchant qualifiers.

 

What is the process for redeeming rewards points?

 

You can redeem points for cash back, gift cards, travel, merchandise and more all on the Wells Fargo website or mobile app. Navigate to the rewards section after logging in to access point redemption options. Minimums and increments apply.

 

Are there any foreign currency conversion fees?

 

No - transactions processed abroad have no separate currency conversion fees charged beyond the cost of the travel purchase itself. This helps you save on trips overseas.

 

Can I product change my Wells Fargo card to the Autograph card? 

 

Yes, you generally can change between Wells Fargo credit cards via online banking or calling customer service after being a cardholder for at least 12 months. This allows you to upgrade to the Autograph without reapplying.

 

Where can I see my FICO credit score for free as a cardholder?

 

Your latest FICO Bankcard Score 8 based on Experian data is provided for free each month on your online account dashboard for ongoing tracking.

 

What is the best way to contact Wells Fargo if I have issues with my Autograph card?

 

You can call the 24/7 customer service line at 1-800-642-4720 for any account, statement or rewards questions. For fraud alerts call 1-800-642-4720 and press 2. You can also send secure messages via online or mobile banking.