Wells Fargo Autograph

Earn 20,000 bonus points after spending $1,000 on purchases within the first 3 months of opening your account. Those points are worth $200 when redeemed for cash. Points post once you hit the spending threshold.

Any purchase that doesn't fall into a bonus category earns 1 point per dollar. Points accumulate automatically with no cap, so all your everyday spending still builds toward rewards.

Use your card for airfare, hotels, car rentals, cruises, and other travel spending to earn 3 points per dollar. No portal booking required — all eligible travel purchases qualify automatically.

Get a $25 food or beverage credit per stay at Visa Signature Luxury Hotel Collection properties. The credit is applied automatically at the hotel — no separate redemption needed. It covers one stay at a time, so you get a fresh $25 credit each new eligible booking.

Gives you access to roadside help — towing, flat tire change, jump start, lockout service, fuel delivery, and winching — whenever you need it. Call the dispatch line and pay only for the service used; there's no annual membership fee. Costs vary by service, so ask for a quote when you call.

If your card is lost, stolen, or damaged while traveling, you can get emergency cash or a replacement card after issuer approval. Replacement typically arrives within 1–3 business days, sometimes within 24 hours. Standard cash advance fees and interest charges apply to any emergency cash disbursed.

Covers damage or theft to a rental car, up to $50,000, when you pay for the full rental with your Autograph card. Decline the rental company's collision damage waiver at the counter to activate the benefit. Coverage applies to most rentals but excludes certain vehicle types like luxury cars, trucks, and motorcycles.

Covers repair or replacement costs if your cell phone is damaged, stolen, or lost. Pay your monthly phone bill with your Autograph card to qualify, then file a claim when needed. You get up to $600 per claim (max 2 claims per 12 months, up to $1,200 total), with a $25 deductible per claim.

Visa Signature Concierge is a 24/7 assistance service that can help you book flights, make restaurant reservations, or find event tickets. Call the number on the back of your card to reach a live agent at no extra charge. You pay any third-party costs, but the concierge service itself is free to use.

Connects you to emergency referral services — medical, legal, translation, prescription, and lost luggage help — any time you travel away from home. Call the Benefit Administrator 24/7, 365 days a year to be connected to local resources. Note that you're responsible for the actual cost of any services arranged.

New cardholders get 0% APR on purchases for the first 12 months from account opening, letting you carry a balance interest-free during that period. After the intro window closes, a variable APR of 18.49%, 24.49%, or 28.49% applies. This offer covers purchases only, not balance transfers.

There's no added fee when you make purchases outside the U.S., whether traveling in person or shopping with an international merchant online. Many cards charge around 3% per transaction abroad, so this benefit saves you that cost automatically — no enrollment needed.

You can move your points to airline and hotel loyalty programs, many at a 1:1 ratio. Partners include Aer Lingus, Air France-KLM, Avianca, British Airways, Iberia, JetBlue, Virgin Atlantic, Choice Privileges, and Wyndham, giving you the flexibility to potentially squeeze more value from your points.

My Wells Fargo Deals gives you access to rotating bonus-point offers at select merchants in-store and online. Browse and activate deals through the Wells Fargo app or online banking, then shop at the participating retailer to earn extra points. Offers change periodically, so check back regularly.