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Want a simple card with high cashback and no annual fee?
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The Wells Fargo Autograph is a no annual fee rewards credit card built for everyday spending. It positions itself as a straightforward dining travel gas card that helps cardholders earn consistent value without complex category juggling.
Through Go Far Rewards, the Autograph card pays 3x points on qualifying dining, travel, and gas purchases and 1 point per dollar on most other buys. That simple structure makes it easy to collect rewards from routine expenses like restaurants, rideshares, and fuel.
This article explains how the Wells Fargo Autograph works, where the 3x points apply, and how to redeem Go Far Rewards for the best value. You’ll also find practical tips on sign-up offers, cost considerations, and how this rewards credit card compares to other no-annual-fee options.
Key Takeaways
- The Wells Fargo Autograph offers 3x points on dining, travel, and gas through Go Far Rewards.
- There is no annual fee, making it a low-risk card for steady spenders.
- Everyday purchases earn 1 point per dollar outside bonus categories.
- Ideal for commuters, frequent diners, and casual travelers who prefer simplicity.
- Understanding merchant coding and redemption options boosts your points’ value.
Autograph
Essential Comparison: Wells Fargo Autograph vs. Active Cash vs. Signify Business Cash
Looking for the ideal Wells Fargo credit card? The choice can be complex when comparing the category-focused Wells Fargo Autograph, the simplicity of the Wells Fargo Active Cash, and the small business solution, the Signify Business Cash. All three share the attractive feature of a Zero Annual Fee, but their strengths differ significantly.
Wells Fargo Autograph: The Category Specialist
The Wells Fargo Autograph is the perfect choice for those with consistent spending in specific categories.
- Key Rewards: You earn 3x points on restaurants, travel, gas stations, transit, streaming services, and phone plans. You earn 1x point on all other purchases.
- Travel Advantage: It has no Foreign Transaction Fees, making it an excellent card for international use.
- Best For: Consumers who travel frequently or spend a lot on gas and dining out.
Wells Fargo Active Cash: The Simplicity of Cashback
For those who prefer maximum simplicity and don’t want to worry about categories, the Wells Fargo Active Cash is the best option.
- Key Rewards: Offers a straightforward 2% unlimited cashback on all purchases. There are no caps on how much you can earn.
- Travel Drawback: Unlike the Autograph, the Active Cash charges a foreign transaction fee (typically 3%), making it less advantageous for use outside the U.S.
- Extra Perk: Includes Cell Phone Protection.
- Best For: Daily use as a “catch-all card” for purchases that don’t fit into other cards’ bonus categories, and for those who value simple, direct cashback.
Cash Rewards
Signify Business Cash: Focus on Small Business
The Wells Fargo Signify Business Cash is Wells Fargo’s option for entrepreneurs and small businesses.
- Key Rewards: Similar to the Active Cash, it offers an unlimited 2% cashback on all your business purchases.
- Business Advantage: Offers features such as employee cards at no additional cost and the ability to set spending limits.
- Welcome Bonus: Usually features a significantly larger welcome bonus to offset the higher initial spending required for qualification.
- Best For: Small business owners looking to maximize cashback on all business expenses without being restricted by categories, and without paying an annual fee.
Which Wells Fargo Card is Best for You?
| Feature | Wells Fargo Autograph | Wells Fargo Active Cash | Signify Business Cash |
| Annual Fee | $0 | $0 | $0 |
| Target Audience | General Consumer | General Consumer | Small Business |
| Reward Strategy | Category Points (3x) | Flat Cashback (2%) | Flat Cashback (2%) |
| Best Uses | Travel, Gas, Restaurants | All Purchases (Catch-all) | All Business Expenses |
| Foreign Transaction Fees | None | Yes (Typically 3%) | – |
| Credit Requirement | Good to Excellent | Good to Excellent | Excellent (Typically) |
The Decision:
- Choose the Autograph if your spending is concentrated in the bonus categories and you travel internationally.
- Choose the Active Cash if you want a simple 2% cashback card for all purchases and value the cell phone protection.
- Choose the Signify Business Cash if you are a business owner looking for a no-annual-fee business card with 2% unlimited return to optimize your company’s finances.
What Is the Wells Fargo Autograph Card and Who Should Apply
The Wells Fargo Autograph is a no-annual-fee credit card built for everyday spending. Cardholders earn 3 points per $1 on dining, travel, and gas with the Go Far Rewards program, plus 1 point per $1 on other purchases. Contactless payment and digital wallet support via Apple Pay, Google Pay, and Samsung Pay make checkout fast. Periodic welcome offers and promotions may appear for new applicants. The card is issued by Wells Fargo Bank, N.A., and its straightforward structure keeps rewards easy to track.
Overview of card features
The core Wells Fargo Autograph features focus on simplicity and value. There is no annual fee. Rewards include 3x points on dining, travel, and gas and 1x on everything else. Points redeem through Go Far Rewards for travel, statement credits, gift cards, and merchandise. The card supports contactless tap and major mobile wallets for secure, quick payments.
Who benefits most: spenders focused on dining, travel, and gas
Frequent diners and commuters get the most value from this rewards summary. If you spend on restaurants, delivery apps, rideshares, or fuel, the 3x categories add up fast. Leisure travelers who prefer points over flat cash back will find flexibility in redemption choices. The Autograph suits cardholders who want steady category bonuses without paying an annual fee.
Eligibility basics and credit score expectations
Typical eligibility leans toward applicants with good to excellent credit. Expect credit score requirements in the mid-600s to 700s or higher. Wells Fargo reviews income, account history with the bank, and overall credit behavior. New applicants should anticipate a hard credit inquiry and standard identity checks. Business owners looking for a commercial card should choose a business product instead of this consumer card.
Wells Fargo Autograph: Earn 3 Points on Dining, Travel & Gas
The Wells Fargo Autograph card rewards everyday spending with higher returns in key categories. Learn how the 3x points structure awards three points per $1 on eligible dining, travel and gas charges and how to spot qualifying purchases on your statements.
How the 3x points structure works
The card pays 3 points per $1 when transactions fall into the correct merchant category codes. Most other purchases earn 1 point per $1. Points post after the transaction settles, and they live in your Wells Fargo Go Far Rewards balance.
Merchant category codes drive the reward level. If a restaurant, airline or gas station uses the right MCC, the spend will qualify for 3 points. If the merchant is coded differently, the same purchase may not qualify for 3 points.
Examples: everyday purchases that qualify
Dining examples include sit-down restaurants, fast-casual spots, coffee shops and many delivery services when they process as restaurant merchants. Travel examples are airlines, hotels, car rentals, trains, taxis and rideshares that code as travel. Gas examples cover pump purchases, many convenience store fuel sales and some EV charging networks when coded as fuel or travel.
Third-party platforms can change coding. Orders routed through a marketplace or an app may code as the platform instead of the restaurant or travel provider, which affects whether the charge will qualify for 3 points.
Limits, exclusions, and merchant coding considerations
There is no published cap on earnings from dining, travel and gas categories. Still, certain transactions do not earn rewards, such as cash advances, balance transfers and some debit-like payments.
Merchant miscodes are the most common issue. Grocers that sell prepared food may code as grocery, not dining, so those purchases might miss the 3x rate. If a charge posts at 1 point per $1, you can ask the merchant to change their MCC or contact Wells Fargo for a review.
| Category | Typical Qualifying Examples | Common Coding Pitfalls |
|---|---|---|
| Dining | Full-service restaurants, fast-casual, coffee shops, many delivery services | Grocery stores with hot food, food halls, marketplace orders |
| Travel | Airlines, hotels, car rentals, trains, taxis, rideshares | Travel booked via third-party aggregators, ticket marketplaces |
| Gas | Fuel pump transactions, convenience store fuel, some EV charging networks | In-store purchases at gas stations coded as retail or grocery |
| Other | All remaining purchases earn 1 point per $1 | Cash advances, balance transfers, and certain digital wallet transactions |
Sign-up Bonuses and Intro Offers to Watch For
Wells Fargo often rolls out a Wells Fargo Autograph welcome bonus that rewards new cardholders with bonus points after meeting a minimum spend in the first three months. Typical packages tie a set number of points to a clear spend threshold. Check the issuer’s offer details before applying so you know the exact requirements and reward timeline.
Typical welcome bonus amounts and spend requirements
Past promotions usually require several hundred to a few thousand dollars in purchases to trigger the bonus. The bonus posts only after the spend window closes and the account is in good standing. Use planned expenses, like travel bookings or recurring bills, to meet the threshold without stretching your budget.
How to time new account bonuses for maximum value
Apply ahead of predictable spending. Book a trip, stack household bills on the card, or buy prepaid items you will use later. Avoid risky tactics such as manufactured spend that could breach terms. Mind your credit activity; spacing applications preserves approval odds and keeps sign-up bonus timing manageable.
Comparing limited-time offers and seasonal promotions
Issuers change promotions for holidays or partner campaigns. Compare the current intro offer to past deals and to competing cards from American Express or Chase. Estimate the dollar value of bonus points, subtract any costs, and pick the promotion that gives the best net benefit during the promotional window.
Maximizing Everyday Categories: Dining Strategies
Use the Wells Fargo Autograph to squeeze extra value from meals, takeout, and quick grocery stops. Small choices at checkout add up when you apply clear dining rewards strategies across restaurants, delivery apps, and grocery pickup.
Restaurants, delivery apps, and grocery pickup that count
Many restaurant purchases post under merchant category codes (MCCs) that qualify for bonus points. Sit-down meals and fast-casual orders usually code as dining. Popular delivery services such as DoorDash, Uber Eats, and Grubhub often post as dining and earn delivery apps points, but always confirm the posted transaction.
Grocery pickup and prepared-food buys can be tricky. Some chains code prepared meals as grocery, not dining. Save receipts and check Wells Fargo statements so you can dispute a miscoded charge if needed.
Using dining aggregators and gift cards to boost points
Ordering through aggregators that code as restaurants can stack rewards if the platform itself is eligible. Delivery apps sometimes run promotions that pair with card rewards to increase value.
Gift card rewards offer another boost when purchased from merchants that code sales as dining. Buy restaurant gift cards directly from the restaurant whenever possible. Be cautious with third-party gift card retailers and general-purpose cards; verify how they post before relying on them to earn elevated points.
How to track dining spending for rewards optimization
Monitor posted activity in Wells Fargo online statements and the Go Far Rewards portal to see what actually coded as dining. Use a simple spreadsheet or budgeting app to track restaurant purchases and delivery apps points versus expected earnings.
If a transaction fails to earn the expected rate, contact the merchant first to request an MCC correction. If that does not resolve the issue, reach out to Wells Fargo customer service for a review and potential adjustment.
Maximizing Travel and Transportation Rewards
Wells Fargo Autograph can deliver strong travel rewards when you target the right purchases. Knowing which charges qualify and how they post helps you earn more on flights, hotels, and rideshares. Use simple checks to confirm merchant coding so you collect full value.
What travel purchases earn 3 points
Airline tickets, hotel stays booked through lodging merchants, car rentals, trains, ferries, taxis, and rideshares commonly earn 3 points. Airport parking and some tolls may qualify when they code as travel. Check receipts and merchant category codes to be confident your charges post correctly.
Booking strategies: direct vs. third-party portals
Booking directly with Delta, United, Marriott, or Hilton often ensures correct merchant coding and preserves elite benefits. Third-party sites like Expedia sometimes code as travel but can post differently depending on the aggregator’s MCC.
Weigh discounts from portals against potential loss of travel rewards and loyalty credits. Use a clear booking strategy: choose direct bookings for elite credit and trouble-free points. Use third-party deals when savings outpace the value of lost perks.
Combining with loyalty programs for added value
Pair card rewards with airline and hotel loyalty accounts to multiply returns. Book directly with the loyalty program to earn airline miles or hotel points while capturing the card’s 3x when merchant coding aligns. When possible, enroll in loyalty program stacking to add elite bonuses and redemption value.
Redeem Go Far Rewards for travel when point valuations look favorable. This approach often beats low-value statement credits and stretches the benefit of flights hotels rideshare points across more travel experiences.
Maximizing Gas and Commute Spending
Use your Wells Fargo Autograph to stretch every commute dollar. Small choices at the pump or EV charging station change how many fuel points you collect. Track merchant coding and receipts so purchases post correctly.
Station purchases, convenience store rules, and EV charging
Pumps that code as fuel usually earn triple points. Items bought inside convenience stores may code as retail and earn fewer rewards. Check receipts after a stop at Shell, Chevron, or Circle K to confirm how the charge appears.
EV charging networks such as ChargePoint, Electrify America, and Tesla Supercharger can post under different merchant codes. Some charge as travel, some as auto services. If an EV charging session posts incorrectly, save the receipt and contact the station or Wells Fargo to request a reclassification so EV charging counts toward your rewards.
Commuter benefits and business vs. personal travel considerations
Employer commuter benefits can shift how transactions are processed. Using a transit or pre-tax commuter account may disqualify a purchase from earning gas rewards. Ask HR whether payments go through a third-party vendor that strips reward eligibility.
For business travel, use a separate card when your employer reimburses expenses. This keeps personal reward strategy intact and avoids paperwork headaches. When you must use a personal card, keep clear notes and receipts for reimbursement and reward tracking.
How to categorize fuel expenses to ensure points post
Review statements weekly to spot transactions that failed to code as fuel. If a pump purchase shows up as a store sale, contact the merchant first to request a corrected MCC. If the merchant won’t update it, call Wells Fargo with your receipt to dispute the coding.
Keep digital copies of receipts and record vendor names, times, and amounts. This documentation speeds disputes and increases the chance that missed fuel points are restored. Set a simple habit: photograph receipts after every fill-up or EV charging session.
| Scenario | Common MCC Outcome | Steps to Preserve Rewards |
|---|---|---|
| Pump fuel at major brand (ExxonMobil, Chevron) | Fuel merchant code — typically earns 3x | Check receipt; keep image; verify weekly statement |
| In-store purchase at station (snacks, drinks) | Convenience retail code — may earn lower rate | Pay separately at pump when possible; save receipt |
| EV charging (ChargePoint, Tesla, Electrify America) | Varies: travel, auto services, or retail | Save charging receipt; contact vendor for MCC correction if needed |
| Commuter benefit vendor payment | Third-party vendor code — may be ineligible | Confirm employer policy; use personal card if rewards are a priority |
| Business travel fuel on personal card | May code as fuel or travel | Document for reimbursement; separate personal vs. business charges |
Redeeming Wells Fargo Go Far Rewards Points Efficiently
Wells Fargo’s Go Far Rewards program gives several redemption routes. You can book travel through the Wells Fargo rewards portal, pick gift cards, request statement credits, or shop merchandise. Each option values points differently. Compare choices before you redeem to avoid losing value.
Redemption options: travel, gift cards, statement credits, merchandise
Travel redemptions through the portal often deliver the best point value for flights and hotels. Gift cards can be convenient for everyday spending. Statement credits make balancing a bill easy, but they sometimes yield lower cents-per-point than travel. Merchandise tends to cost the most points for the least value. Track the redemption rate shown at checkout so you know what each option returns.
How to get the best cents-per-point value
To get the best point value, prioritize travel bookings in the portal when the portal’s rate beats the cash price. Estimate point worth between $0.005 and $0.01 each depending on the redemption. Run a quick cost comparison: divide the cash price by points required to find the cents-per-point. Redeeming for travel usually reaches the higher end of that range.
Transferring or combining points: what’s allowed
Wells Fargo rarely permits direct transfers to airline or hotel partners. Some accounts allow pooling or household combine points features within Wells Fargo accounts. Check current Go Far Rewards rules before you try to combine points across accounts. When pooling is available, it can unlock higher-value redemptions without creating new accounts.
If your goal is to maximize value, prioritize travel redemptions, watch the cents-per-point shown at checkout, and confirm whether you can combine points with a family member’s account before making a move.
Fees, APRs, and Cost Considerations
The Wells Fargo Autograph targets cardholders who want strong rewards with low friction. As a no annual fee card, it removes a major recurring cost that raises the break-even point for casual spenders. Read the cardmember agreement for any temporary premium versions or limited promotions that could change the fee picture during sign-up periods.
Annual fee analysis and sign-up periods
Because the Autograph has no annual fee, you do not need heavy rewards to offset ongoing charges. Promotional offers sometimes include limited-time statement credits or elevated bonuses. Check the exact dates and eligibility rules before meeting a spend requirement, so you capture the full value without surprises.
Interest rates, balance transfer and cash advance terms
Interest rates depend on credit history and the prime rate. Expect a typical range for purchase APR and a separate penalty APR for late payments. Cash advances and balance transfers often carry a fee expressed as a percentage of the amount moved and may use a different APR. These transactions might not earn points, so treat them cautiously.
Paying the full statement balance each month preserves reward value. Carrying a balance can erase gains from points because interest charges compound quickly. Review balance transfer terms closely if you plan to move debt; a promotional rate can help but fees and duration matter.
When the rewards outweigh the costs
Estimate your effective return by valuing points conservatively. If one point equals about $0.005 to $0.01, earning 3 points on dining, travel, and gas translates to roughly 1.5%–3% back. Compare that return to competing cash-back offers and any welcome bonus value.
Rewards vs costs becomes favorable when you pay on time, avoid interest, and use categories where the card earns the most. If you often carry a balance, the added interest can flip the math against keeping the account active despite no annual fee.
| Item | Typical Disclosure | What to Watch For |
|---|---|---|
| Annual fee | No annual fee card | Temporary premium offers that add fees during promotions |
| Purchase APR | Varies by creditworthiness | Compare advertised ranges to your credit profile |
| Penalty APR | Higher rate for late payments | Avoid late payments to protect rewards value |
| Cash advance | Separate APR plus a percentage fee | Typically no rewards earned on cash advances |
| Balance transfer terms | Promotional rates may apply; fees often a percent | Check length of promo period and transfer fee impact |
| Rewards value | Estimated 1.5%–3% back on 3x categories | Include welcome bonus and potential interest to judge net gain |
Safety, Customer Service, and Account Management Tips
Keeping your Wells Fargo Autograph card safe starts with simple daily habits. Use the Wells Fargo mobile app to track purchases and enable alerts for suspicious activity. Quick action cuts exposure when unfamiliar charges appear.
Protecting your card and spotting fraud
Enroll in text and email alerts so you get instant notice of transactions. Turn on push notifications in the Wells Fargo mobile app to see purchases as they happen. Carry cards with EMV chip or use contactless pay when possible to reduce skimming risk.
Review statements weekly and freeze a misplaced card with the app until you find it. If you spot anything odd, report the charge immediately to limit liability and speed resolution.
Using online tools and mobile app features
The Wells Fargo mobile app offers spending summaries, category breakdowns, and budgeting tools that help you follow 3x categories. Use the card lock/unlock feature to control card use during travel or suspected fraud.
Set custom spending alerts for thresholds or merchant types to catch mistakes early. Redeem Go Far Rewards, view pending transactions, and secure messages from the app for quick account management.
How to contact support and dispute charges
Find phone numbers on the back of your card for immediate help, or send a secure message through online banking for non-urgent issues. For lost or stolen cards, call right away to block the card and request a replacement.
Document receipts and communications when you dispute charges. Start the dispute process promptly to preserve protections. Wells Fargo customer support agents can guide you through timelines and next steps.
| Action | Where to do it | Why it matters |
|---|---|---|
| Enable transaction alerts | Wells Fargo mobile app / online banking | Immediate notification of suspicious activity reduces fraud losses |
| Lock or unlock card | Mobile app | Prevent unauthorized charges without canceling the account |
| Set spending thresholds | App alerts and account settings | Helps track budget and spot unusual high-value purchases |
| Report lost/stolen card | Phone number on card or secure message | Blocks card to stop further charges and orders a replacement |
| Initiate charge dispute | Secure message, phone, or branch | Starts formal process to investigate and resolve unauthorized charges |
| Use EMV/contactless payments | Retail terminals and mobile wallets | Reduces risk from magnetic stripe skimming |
Comparing Wells Fargo Autograph to Other No-Annual-Fee Cards
The Wells Fargo Autograph makes a strong case for everyday rewards. Its 3x points on dining, travel, and gas stands out among no-annual-fee cards. This short guide helps you compare Autograph against common alternatives so you can pick the right fit for your wallet.
Head-to-head with similar dining, travel, and gas cards
Compare Autograph to Capital One SavorOne and Bank of America Customized Cash Rewards. SavorOne earns elevated points on dining and entertainment with no fee, while Customized Cash Rewards gives a flexible bonus category you can set. Citi Double Cash offers a flat 2% cash-back across all purchases, without category bonuses.
Chase Sapphire Preferred offers richer travel perks and transfer partners, but it charges an annual fee. For travelers who want premium benefits, that fee may be worth it. For everyday dining, travel, and gas, Autograph’s 3x with no fee remains compelling.
When to pick Autograph versus a cash-back alternative
Choose Autograph if you spend heavily at restaurants, on rideshares, and at the pump and prefer a points program with travel redemption options. Points can stretch when redeemed for travel or gift cards.
Pick a cash-back card like Citi Double Cash if you want simple statement credits and consistent value on all purchases. Run the math by comparing cents-per-point on Autograph redemptions against flat cash-back rates to see which yields more value for your typical spending.
Use cases for combining cards within a wallet
Many consumers combine cards to cover more ground. Pair Autograph with a flat-rate 2% cash-back card to handle non-bonus spending. Add a premium travel card only for specific trips that need lounge access or elite benefits.
When you combine credit cards, keep issuer diversity and credit utilization in mind. Spreading purchases across cards preserves category bonuses and reduces the chance a single account gets maxed out.
Below is a compact comparison to highlight differences and help you evaluate options quickly.
| Card | No Annual Fee | Top Bonus Categories | Best Use Case |
|---|---|---|---|
| Wells Fargo Autograph | Yes | 3x dining, travel, gas | Everyday dining, commutes, travel redemptions |
| Capital One SavorOne | Yes | Dining, entertainment, streaming | Dining and entertainment spenders |
| Bank of America Customized Cash Rewards | Yes | Custom selectable category, online shopping | People who want category flexibility |
| Citi Double Cash | Yes | Flat 2% on all purchases | Simple, broad cash-back strategy |
| Chase Sapphire Preferred | No (annual fee) | Travel, dining with transfer partners | Frequent travelers seeking premium value |
Conclusion
The Wells Fargo Autograph conclusion is simple: this no-annual-fee card makes it easy to earn rewards on everyday essentials. With 3 points per dollar on dining, travel, and gas, it suits people who spend regularly in those categories and who pay their balance in full each month. The Go Far Rewards program offers flexible redemptions that keep those points useful across travel, statement credits, and gift cards.
To maximize rewards essentials, track how merchants code purchases and use Wells Fargo’s online tools to verify category earnings. Compare current welcome offers before applying and think about pairing the Autograph with a cash-back card for non-bonus spend. Paying attention to cents-per-point when you redeem will help you get the most value from the program.
Final thoughts Go Far Rewards: if your routine includes frequent dining out, rideshares, and regular gas fills, the Autograph is a strong, low-cost choice. Review terms periodically and adjust your wallet as your spending changes to maintain the best mix of rewards and value.
FAQ
What is the Wells Fargo Autograph card and who should apply?
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
How does the 3x points structure work?
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
Which everyday purchases typically qualify for 3x points?
Are there caps, exclusions, or merchant coding issues I should know about?
Does Wells Fargo offer a welcome bonus on the Autograph card?
How can I maximize dining rewards with this card?
What are the best strategies for earning 3x on travel purchases?
How does the card handle gas and EV charging purchases?
What are my redemption options for Go Far Rewards points?
How much are points worth and how do I get the best value?
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on qualifying dining, travel, and gas purchases and 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
.005–
FAQ
What is the Wells Fargo Autograph card and who should apply?
The Wells Fargo Autograph is a no-annual-fee rewards card that earns 3 points per $1 on qualifying dining, travel, and gas purchases and 1 point per $1 on other spend through the Go Far Rewards program. It’s best for U.S.-based consumers who regularly spend on restaurants, rideshares, commuting fuel, and travel and want a simple, consistent rewards structure without an annual fee. Typical approval generally requires good to excellent credit (mid-600s to 700s or higher).
How does the 3x points structure work?
The card awards 3 points per $1 on purchases that merchant category codes (MCCs) classify as dining, travel, or gas. All other purchases typically earn 1 point per $1. Points post after transactions settle and accumulate in the Wells Fargo Go Far Rewards account. Merchant coding determines eligibility, so how a merchant posts the transaction affects whether it earns 3x.
Which everyday purchases typically qualify for 3x points?
Dining includes sit-down restaurants, fast-casual spots, coffee shops, and many delivery services like DoorDash and Uber Eats when coded as dining. Travel covers airlines, hotels, car rentals, trains, taxis, and rideshares. Gas generally covers fuel pump transactions and some EV charging networks when coded as fuel. Third-party aggregators or mixed merchants may code differently, so check posted transactions.
Are there caps, exclusions, or merchant coding issues I should know about?
There’s no published cap on 3x earnings, but exclusions include cash advances, balance transfers, and certain debit-like transactions. Merchant category codes can misclassify purchases (e.g., grocery stores selling prepared food might code as grocery). If a transaction posts incorrectly, contact the merchant first to correct the MCC, then Wells Fargo customer service if needed. Keep receipts for disputes.
Does Wells Fargo offer a welcome bonus on the Autograph card?
Wells Fargo periodically runs new-account offers that grant bonus points after meeting a minimum spend within the first few months. Bonus amounts and spend requirements change by promotion. Check Wells Fargo’s official offers for current terms and consider timing large planned expenses to meet the threshold responsibly.
How can I maximize dining rewards with this card?
To maximize dining rewards, use the card at restaurants, eligible delivery services, and dining-related merchants that code as dining. Monitor transactions after posting to confirm they earned 3x. Buying restaurant gift cards may help if they code as dining, but verify merchant coding first. Track spending with the Wells Fargo app or a personal budget tool to optimize redemptions.
What are the best strategies for earning 3x on travel purchases?
Book directly with airlines and hotels when possible to help ensure correct coding and to capture loyalty benefits. Some third-party booking sites and travel aggregators may code as travel, but verify before relying on them. Combine Autograph’s 3x earnings with airline or hotel loyalty programs when feasible to stack value.
How does the card handle gas and EV charging purchases?
Fuel purchases at station pumps typically code as gas and earn 3x. Fuel purchased inside convenience stores may sometimes code as retail and earn 1x. EV charging merchants vary in MCCs and may or may not earn 3x. Review receipts and posted transactions and contact the merchant or Wells Fargo to correct coding if a qualifying fuel charge posts incorrectly.
What are my redemption options for Go Far Rewards points?
Go Far Rewards points can usually be redeemed for travel bookings through the Wells Fargo rewards portal, gift cards, merchandise, and statement credits. Travel redemptions often provide better cents-per-point value. Point transfer to airline or hotel partners is generally not available; check current Go Far Rewards terms for any updates on pooling or household linking.
How much are points worth and how do I get the best value?
Point valuations vary by redemption method but commonly range around $0.005–$0.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
.01 per point. Redeeming for travel through the rewards portal usually yields higher cents-per-point than merchandise or statement credits. Compare redemption options and estimate value before cashing in points to maximize return.
Are there any fees or APRs I should watch for?
The Wells Fargo Autograph has no annual fee. APRs for purchases, balance transfers, and cash advances vary by applicant creditworthiness and prevailing rates; balance transfers and cash advances may incur fees and typically do not earn rewards. To preserve reward value, pay balances in full and avoid interest charges that could negate redemption gains.
What fraud protection and account management tools are available?
Wells Fargo offers mobile and online tools to view transactions, set alerts, lock/unlock cards, and receive push notifications. Enroll in alerts for suspicious transactions, enable travel notifications, and report lost or stolen cards immediately. For disputes, use the secure messaging in online banking or call the phone number on the back of your card and retain receipts when filing a claim.
How do I dispute a transaction that didn’t earn rewards or was coded incorrectly?
First contact the merchant to request a corrected MCC or transaction adjustment. If that doesn’t resolve the issue, contact Wells Fargo customer service to review the transaction and initiate an investigation. Provide receipts and any supporting documentation. Keep records of communications until the issue is resolved.
How does the Autograph compare to other no-annual-fee cards?
The Autograph stands out for its 3x on dining, travel, and gas with no annual fee. Compare it to cards like Capital One SavorOne (dining/entertainment focus), Citi Double Cash (straight cash back), or Bank of America Customized Cash Rewards to see which aligns with your spending. Choose Autograph if you prioritize points on everyday essentials and flexible redemptions; pair it with a flat-rate cash-back card for non-bonus categories.
Can I use the Autograph for business expenses or combine it with other cards?
The Autograph is a consumer card and not intended for business-credit reporting. For business expenses, consider Wells Fargo business cards. Many cardholders combine Autograph with another card—such as a flat-rate cash-back or travel rewards card—to maximize returns across all spending categories while managing credit utilization and issuer diversification.
What credit score and application factors does Wells Fargo consider?
Approval typically favors applicants with good to excellent credit (mid-600s to 700s+). Wells Fargo also reviews income, existing relationships with the bank, credit history, and recent credit inquiries. Expect a hard credit pull during application and standard identity verification steps.
How should I time applying for the Autograph around welcome offers?
Apply when you have predictable qualifying spend—upcoming travel, planned bills, or allowable purchases—during the bonus window so you can meet the spend threshold without unnecessary expense. Avoid risky manufacturing-spend tactics and consider the potential short-term credit impact from a new-account hard inquiry.
Are Go Far Rewards points transferable to airlines or hotels?
Historically, Wells Fargo’s consumer rewards program does not allow direct transfers of points to airline or hotel partners like some other issuers. Point pooling or household linking options may exist; check the current Go Far Rewards terms for any changes to transfer or combining rules.
How do I track that I’m actually earning 3x where expected?
Regularly review your Wells Fargo online statement and the Go Far Rewards portal to see how transactions posted and how many points accrued. Use budgeting apps or a simple spreadsheet to categorize expected 3x purchases. If a purchase didn’t earn 3x, start with the merchant to request an MCC correction, then contact Wells Fargo if needed.
Where can I find the latest terms, offers, and full cardmember agreement?
The most current terms, promotional offers, and the full cardmember agreement are available on Wells Fargo’s official website and the secure application pages. For personalized questions, contact Wells Fargo customer service or visit a local branch to review disclosures before applying.
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