20,000 bonus points
People who want a no-annual-fee card with strong bonus categories for everyday spending.
The Wells Fargo Autograph Card is quietly one of the best no-annual-fee cards available right now, and it gets more compelling each quarter. You earn 3x points on six broad everyday categories — restaurants, travel, gas and EV charging, transit, popular streaming services, and phone plans — without any caps or category limits. That breadth alone puts it ahead of most no-fee competitors.
What changed the game for the Autograph is the addition of transfer partners, which Wells Fargo started rolling out in 2024 and has continued expanding. As of mid-2026, you can move points to eight partners including Flying Blue, British Airways, Avianca LifeMiles, JetBlue, Cathay Pacific, Iberia, Aer Lingus, and Wyndham — all at 1:1. That is an extraordinary capability for a card with no annual fee. Flying Blue runs frequent flash sales, and Avianca LifeMiles is one of the best ways to book Star Alliance premium cabin awards. Suddenly those 3x restaurant points can become business class flights.
You should get this card if you want to earn transferable points without paying an annual fee, if your spending is heavy in restaurants, gas, travel, or streaming, or if you are building a two-card combo by pairing the Autograph with the Active Cash for everything outside the 3x categories.
Skip it if your primary loyalty program is not among Wells Fargo's transfer partners — there are no Chase, Citi, or Amex partners on the list. United, Delta, and Marriott flyers will find their preferred programs are absent. In that case, the Chase Freedom Unlimited or Citi Double Cash may serve you better.
The main pitfall to watch is the absence of traditional purchase protection — if something you buy breaks or gets stolen, the Autograph does not cover it. Cell phone protection and auto rental coverage are solid, but there is no damage and theft blanket protection on general purchases. Also, the transfer partners are still maturing — the network is newer and smaller than Chase Ultimate Rewards or Citi ThankYou, so redemption sweet spots require more research. The 15-month Wells Fargo account restriction is easy to overlook; check your account history before applying.
Wells Fargo applies a 15-month restriction: if you have opened or closed a Wells Fargo credit card account within the past 15 months, you may not qualify for the welcome bonus. Standard good-credit approval criteria apply. No complex family-of-cards rules like Citi's 48-month policy.
Cashback Match — all cash back doubled at end of year 1
Annual Fee: $0
175,000 Membership Rewards points
Annual Fee: $895
150,000 bonus points (limited time)
Annual Fee: $795
Cashback Match end of first year
Annual Fee: $0
$150 cash back (15,000 points)
Annual Fee: $0
No welcome bonus
Annual Fee: $0 first year, then $99
Miles Match — all miles doubled at end of year 1
Annual Fee: $0
100,000 Membership Rewards points
Annual Fee: $325
80,000 bonus miles
Annual Fee: $0 intro first year, then $150
70,000 bonus miles
Annual Fee: $0 intro first year, then $150
75,000 American Airlines miles
Annual Fee: $0 intro first year, then $99
80,000 Hilton Honors points
Annual Fee: $0
130,000 Hilton Honors points
Annual Fee: $150
175,000 IHG One Rewards points
Annual Fee: $99
200,000 Membership Rewards points
Annual Fee: $375
Cashback Match at end of first year
Annual Fee: $0
300,000 Membership Rewards points
Annual Fee: $895