Wells Fargo Autograph card boasts an attractive initial bonus and rewarding rates across popular categories, along with offering additional coverages and services that make this card truly all-encompassing.
Autograph credit cardholders will get three points for every dollar spent on dining, gas, travel, transit and popular streaming service expenses – an extremely generous rate compared to many competing cards with rotating bonus categories.
No annual fee
If you’re searching for an attractive travel credit card without an annual fee, the Wells Fargo Autograph may be worth consideration. With its comprehensive rewards structure that offers 3X points on restaurants, gas stations, transit services and streaming services – as well as cell phone protection that could come in handy should their smartphones get lost or damaged – it offers ample value and might just make a good choice.
Wells Fargo Concierge provides 24/7 assistance for restaurant reservations and ticketing needs – an especially useful feature when traveling abroad! Additionally, this card doesn’t charge foreign transaction fees to reduce additional expenses when making transactions abroad.
Autograph card’s starting credit limit should meet most shoppers’ needs, and making timely payments for six months or more could qualify you for an increase. Keep in mind, however, that any cards you carry may impact your overall credit score negatively.
Wells Fargo cards typically offer an intro APR period for balance transfers, which may be an inconvenience if you need to move debt from another card or reduce existing balances. In such a situation, consider switching over to one with an introductory 0% APR period as this may provide the best solution.
While this card doesn’t offer airline transfer partners, its welcome bonuses and rewards structure make up for it in several categories. With no annual fee and additional benefits such as cellphone protection included in its offering, such as easy point redemptions that allow for everyday spending with their points – perfect for anyone willing to compromise airline transfer partners for easier point redemptions and fixed rate redemptions for purchases they cannot pay with transferable miles!
3X points on dining and gas
Wells Fargo Autograph card provides an exceptional rewards rate on many common spending categories without an annual fee. You’ll earn 3X points when spending on restaurants, travel, transit, gas stations, electric vehicle charging stations and popular streaming services, plus 1X on other purchases.
Redeem earned points for gift cards, travel or statement credits; plus you could gain bonus points by spending $1500 within three months of opening an account – helping offset some of its annual fee and taking advantage of up to $300 of welcome bonuses!
Other valuable features of this card are its 0% APR on all purchases for twelve months and its cellphone protection plan, which provides coverage against accidental damage to phones, tablets or laptops. Though this coverage comes with certain terms and conditions attached, it can be an attractive perks if you often rely on credit cards for daily purchases or carry significant debt on them.
Lastly, this card waives foreign transaction fees, making it ideal for frequent travelers. Other cards charge 3% per transaction made in foreign currencies which could easily offset any rewards earned.
Wells Fargo cards don’t offer these benefits, such as roadside dispatch service and Visa Signature Luxury Hotel Collection access – this latter perk allows you to book hotels and resorts that offer complimentary rooms, VIP guest status, or room upgrades based on availability.
Autograph cards do have their share of drawbacks, such as high regular APRs that could make carrying balances past their 0% intro period costlier and no intro APR for balance transfers – meaning this card may not be ideal if you need help paying off existing debt.
Overall, the Wells Fargo Autograph Card is an excellent option for consumers who prioritize no annual fee, earning potential and protections over annual costs. It has competitive rewards rates across several spending categories that help compensate for its average regular APR and features that will appeal to many shoppers.
Cellphone protection
Wells Fargo Autograph stands out among no-fee travel cards by offering generous rewards in key spending categories as well as useful card benefits like cellphone protection. Furthermore, this card provides an introductory APR of 0% for up to 12 months so you have ample time to pay off large purchases without interest charges accruing.
Your purchases in restaurants, travel, gas stations, transit and popular streaming services could earn three times as many points in comparison with regular purchases; plus you could potentially earn one-time points on all other purchases as well. A heavy spender could accumulate over 10,000 bonus points within three months — worth $300 in cash redemption value!
Cellphone protection is another useful card benefit, providing up to $600 of coverage if your phone breaks or is stolen (subject to a $25 deductible). Claims may be filed up to two times annually and emergency assistance services as well as referral services when traveling are included as additional perks.
Propel card is currently going through a name change to Autograph card, with those who currently possess it seeing their account numbers and product names change in coming months. All benefits remain the same with 3X points available when dining and gas purchasing and free cell protection included on its new nametag.
Wells Fargo Autograph’s low annual fees make it a worthwhile option for travelers with modest travel needs who seek to minimize costs abroad, but its rewards don’t translate as directly if your plan involves specific airlines or hotels; but its no foreign transaction fees policy offers travelers who seek to minimize expenses abroad an excellent solution.
While the Wells Fargo Autograph doesn’t boast as many transfer partners or luxury perks as some travel cards, it should still be considered when looking for a versatile card with generous earning rates and extra features such as cellphone protection. You’ll still get a solid return on your spending, plus it comes equipped with zero liability protection, roadside Dispatch service and credit close-up features which help make more informed financial decisions.
My Wells Fargo Deals
The Autograph card is an excellent option for anyone wanting to test out rewards credit cards without incurring significant annual fees. Travel enthusiasts will particularly find this card appealing, with three times points earned in popular travel categories and cell phone protection available as benefits. Furthermore, its ongoing bonus categories such as restaurants, gas stations, travel, transit and popular streaming services make this an attractive proposition as well.
This card doesn’t charge foreign transaction fees and offers an impressive 0% intro APR on purchases for 12 months following account opening – perfect for financing major purchases or carrying an outstanding balance into the future. Unfortunately, however, the card doesn’t come equipped with key perks found with other no-annual-fee rewards cards, including an average base rate of one point per dollar due to lack of transfer partners that allow redemption through airline or hotel loyalty programs.
However, the card does offer greater flexibility than most reward cards when it comes to redeeming rewards. You have two options for using your points: statement credits or My Wells Fargo Deals platform where you can create custom spending categories and select how much cash back you would like in return – both provide user-friendly redemption experiences compared to complicated airline mile programs offered by many rewards cards.
American Express and Citi Cards allow you to transfer earned rewards directly into airline or hotel loyalty programs; however, these programs can be difficult to navigate and may not provide a good return on your investment. Wells Fargo Deals may be easier and more accessible option, which should attract many consumers.
In order to qualify for the Autograph card, you’ll require good to excellent credit – typically an FICO score between 670-739 is ideal; higher scores may increase your approval odds further. Check your FICO score free on WalletHub today so you know where you stand!