Wells Fargo Autograph Benefits, Credits & Annual Fee

• Luxury Hotel Food or Beverage Credit$25 / yr

  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.

  Checked Oct 1, 2026

Travel Benefits

• Book Travel with Wells Fargo Rewards

  Book travel through Wells Fargo Rewards and use your points to pay for part or all of your trip. Search and book on the Wells Fargo Rewards site. Only travel booked through that site qualifies.

  Checked Oct 9, 2026
• Emergency Cash Disbursement and Card Replacement

  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.

  Checked Oct 9, 2026
• Roadside Dispatch

  Get towing and roadside help 24/7 without needing a membership. Call whenever you need a tow or service. A fee for a standard service call is confirmed at the time of service.

  Checked Oct 9, 2026

Rental Car

• Auto Rental Collision Damage Waiver

  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.

  Checked Sep 30, 2026

Bonus Earnings

• 1x Points on Other Purchases1x points

  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.

  Checked Sep 14, 2026
• 3x Points on Restaurants, Gas, Transit, Streaming, and Phone Plans3x points

  Earn unlimited 3X Wells Fargo Rewards points on restaurants (including takeout, catering, and delivery), gas stations and EV charging, transit (subways, rideshares, parking, tolls), popular streaming services, and phone plans (cell and landline). Official Wells Fargo Autograph page retrieved 2026-09-12. Catalog already has a separate 3x travel row.

  Checked Sep 30, 2026
• 3x Points on Travel3x points

  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.

  Checked Sep 14, 2026

Purchase Protection

• Cellular Telephone Protection

  Cell phone protection reimburses covered damage, theft, or accidental loss of your phone. File a claim for repair or replacement costs; each approved claim is limited to $600 after a $25 deductible. You can have up to two paid claims in a 12-month period.

  Checked Sep 30, 2026

Concierge & Membership

• Travel and Emergency Assistance Services

  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.

  Checked Oct 9, 2026
• Visa Signature Concierge Service

  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.

  Checked Jul 4, 2026

Entertainment

• Autograph Card Exclusives

  Autograph Card Exclusives gives you access to tickets for select live music events. Use your Wells Fargo Autograph-branded credit card to explore available events and ticket opportunities. Access is limited to participating events; ticket availability can vary.

  Checked Sep 30, 2026

Fees & Miscellaneous

• 0% Introductory APR on Purchases

  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.

  Checked Sep 30, 2026
• Gift Card Redemption

  Redeem rewards points for gift cards from more than 250 merchants. Choose a gift card through your rewards redemption options, including available electronic gift cards. Some e-gift cards start at $10; available merchants and denominations vary.

  Checked Sep 30, 2026
• My Wells Fargo Deals AccessEnrollment required

  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.

  Checked Jul 4, 2026
• No Annual Fee

  The Autograph card has no annual fee. Keep the card open or use it for purchases without paying a yearly card membership charge. Other account charges, such as interest or applicable transaction fees, can still apply.

  Checked Sep 30, 2026
• No Foreign Transaction Fees

  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.

  Checked Jul 4, 2026
• Pay with Rewards

  Use rewards points to pay for eligible purchases at PayPal checkout. Select PayPal at checkout, then apply points to all or part of the purchase. The option is limited to purchases that qualify for Pay with Rewards.

  Checked Sep 30, 2026
• Points Never Expire

  Your rewards points stay in your account with no expiration date. Earn and redeem at your own pace. This applies only while your account is open, so redeem or transfer points before closing it.

  Checked Oct 7, 2026
• Points Transfer Partners

  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.

  Checked Jul 4, 2026
• Redeem for Purchases

  Use rewards points toward a purchase you've already made. Find an eligible past purchase in your rewards redemption options and apply points toward its cost. Only past purchases that qualify for this redemption option can be selected.

  Checked Sep 30, 2026
• Redeem to Account

  Redeem rewards points as a credit to an eligible Wells Fargo account. Choose an eligible credit card or checking account when you redeem your points. The credit goes to the account you select, subject to account eligibility.

  Checked Sep 30, 2026