The Wells Fargo Autograph Card is a great way to earn rewards on your everyday purchases, like dining, travel, and gas.
With no annual fee and 3X points in popular categories, it’s a simple way to start earning rewards fast.
Ready to learn more about how this card can work for you? Keep reading to find out how it can help you earn rewards while keeping things simple!
Wells Fargo Autograph
No annual fee High APR after the intro periodHow the Wells Fargo Autograph Card works
Once you’re approved, you’ll use the card to make purchases like dining, travel, and gas, and earn points based on what you buy. The card earns 3X points on certain categories, and 1X points on all other purchases.
When you make purchases, those points add up and can be redeemed for various rewards, like cash back, travel, or gift cards.
The card also offers an intro 0% APR for the first 12 months on purchases, which means you won’t pay interest on new purchases during that period if you pay off your balance in full each month. After the 12 months, the APR will change to a variable rate.
To keep things simple, there’s no annual fee for the card, and you can earn rewards on every purchase you make.
The rewards don’t expire as long as your account is open, so you can take your time using them.
Main Benefits of the Wells Fargo Autograph Card
One of the best things about the Wells Fargo Autograph is how easy it is to earn rewards.
The card gives you 3X points on purchases like dining, travel, gas, and even streaming services. This means every time you fill up your tank or order food, you’re earning points toward something useful.
Another big perk is the $200 bonus offer. You can earn 20,000 bonus points when you spend $1,000 within the first three months of getting the card.
These points can be redeemed for cash back, travel, or even gift cards. Plus, since there’s no annual fee, you’re not paying extra to get these rewards.
Additionally, the Wells Fargo Autograph offers flexibility with point redemption. You can use your points in a variety of ways, whether that’s for booking travel or getting a gift card for a friend.
There’s also no limit to how many points you can earn, which means the more you spend, the more you can get back.
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Cons of the Wells Fargo Autograph
While the Wells Fargo Autograph has many advantages, it’s important to consider a few drawbacks.
One of the main cons is the high APR after the introductory period. If you’re not able to pay off your balance in full each month, the interest rate can quickly add up, making it more expensive to carry a balance.
Another downside is that the card only offers 3X points in a few categories. If you want a card that rewards more types of spending, like groceries or online shopping, this card might not be the best option.
Lastly, you might need good credit to get approved for the Wells Fargo Autograph. While it’s not a strict requirement, having a solid credit score increases your chances of approval. If your credit isn’t great, you may want to explore other options.
APR and fees
The Wells Fargo Autograph Card comes with a 0% introductory APR on purchases for the first 12 months, which is a great way to make large purchases and pay them off without paying interest during that period.
However, after the first 12 months, the APR increases to a variable rate between 19.24%, 24.24%, or 29.24%, depending on your creditworthiness. This means that if you still carry a balance after the intro period, you could end up paying high-interest charges.
Here’s a breakdown of the key fees:
Returned Payment Fees: Up to $40
- No Annual Fee
- No Foreign Transaction Fees
- Late Payment Fees: Up to $40
How to Apply for the Wells Fargo Autograph
Applying for the Wells Fargo Autograph is simple. You can start by visiting Wells Fargo’s website and filling out the online application.
You’ll need to provide some basic information, like your name, address, income, and social security number. The application process usually takes just a few minutes.
Once you’ve submitted your application, Wells Fargo will review your information and decide if you’re approved. If you’re approved, you’ll receive your card in the mail. If you’re not approved, you’ll receive a notice explaining why.
To increase your chances of approval, it’s a good idea to have a solid credit score. While the Wells Fargo Autograph is accessible to many people, a good credit history will improve your chances of being approved for the best terms.
Once you have the card, you can start earning rewards immediately with your purchases. Remember to pay your balance on time to avoid interest charges and to maximize your rewards!
