Earn $200 Back After Spending $1,000 With This Credit Card
KEY POINTS
- The Wells Fargo Autograph℠ Card has one of the best and easiest-to-get welcome bonuses among no annual fee credit cards.
- It also has one of the best rewards programs, with lots of bonus categories and transferable points.
The Wells Fargo Autograph℠ Card (see rates and fees) is a relatively new credit card product. It has rapidly gained popularity, and for good reason. The card has an excellent rewards program, a $0 annual fee, and other excellent perks.
In addition to the ongoing perks, the Wells Fargo Autograph℠ Card also has an excellent welcome bonus. Here are the details of how much you could get for signing up, and why this could be a good credit card to add to your wallet.
The Wells Fargo Autograph Card's welcome offer
The Wells Fargo Autograph℠ Card has a welcome offer of 20,000 bonus points after spending just $1,000 in the first 3 months. These points have a cash redemption value of $200.
There are a few important things to mention:
- This is one of the best welcome bonuses from any no annual fee credit card on our radar.
- A $1,000 spending threshold to receive a welcome bonus is on the lower end of the spectrum.
- Points can be transferred to several airline and hotel partners, where it's possible to get significantly more than $0.01 in value per point, depending on how you end up redeeming them.
- In addition to the welcome offer, it's worth noting that new cardholders get 0% intro APR for 12 months from account opening.
Good/Excellent (670-850)
Intro APR 0% intro APR on purchases for 12 months from account opening
Purchases: 0% intro APR, 12 months from account opening
Balance Transfers: N/A
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Rewards Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
1X-3X points
Annual Fee N/A
$0
Welcome Offer Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
20,000 bonus points
-
This card offers unlimited 3X points on common things like restaurants, gas stations, travel, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases. This could be a great pick if you spend a lot in those categories. A solid welcome bonus and cell phone protection are the cherries on top. Read Full Review
-
- Strong welcome bonus for a no annual fee card
- Earn Unlimited 3x points on useful categories
- Cellphone protection
- Other cards offer larger bonuses, though they usually come with annual fees
- The 1x points baseline rewards rate on other purchases, though normal for this type of card, can be beat
-
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
A solid rewards program
In addition to an excellent welcome bonus, the Wells Fargo Autograph℠ Card has one of the best rewards programs we've seen from a no annual fee credit card.
While its base earnings rate is 1X points per $1 spent, it has a lot of bonus earning potential. Specifically, the Autograph card earns 3X points per $1 spent on restaurants, travel, gas stations, transit, popular streaming services and phone plans.
Also keep in mind that you can transfer points to airline and hotel partners, so your 3X points per $1 rewards rate could certainly end up being far better than a 3X cash rewards rate.
Valuable perks
Of course, a no annual fee credit card isn't going to have quite as many perks as an expensive travel credit card. But compared to its competitors, the Autograph card has some valuable and unique perks.
For example, its cellphone protection is one of the best in the industry. It covers up to $600 per claim for damage, theft, and loss, and allows up to two claims per 12-month period when you use the Autograph card to pay your bill. The $25 deductible is the real standout perk, as it is significantly lower than many competing cards.
The Autograph card also has no foreign transaction fees, auto rental collision damage coverage, and access to Visa Signature® perks such as the free 24/7 Visa Signature® Concierge service.
Is the Autograph card right for you?
There's no perfect credit card for everyone. But the Wells Fargo Autograph℠ Card is an extremely solid product, especially for a credit card with no annual fee. Its transferable rewards points and superior cellphone insurance make it worth a closer look, and the easy-to-earn welcome bonus adds to the appeal.
Good/Excellent (670-850)
Intro APR 0% intro APR on purchases for 12 months from account opening
Purchases: 0% intro APR, 12 months from account opening
Balance Transfers: N/A
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Rewards Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
1X-3X points
Annual Fee N/A
$0
Welcome Offer Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
20,000 bonus points
-
This card offers unlimited 3X points on common things like restaurants, gas stations, travel, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases. This could be a great pick if you spend a lot in those categories. A solid welcome bonus and cell phone protection are the cherries on top. Read Full Review
-
- Strong welcome bonus for a no annual fee card
- Earn Unlimited 3x points on useful categories
- Cellphone protection
- Other cards offer larger bonuses, though they usually come with annual fees
- The 1x points baseline rewards rate on other purchases, though normal for this type of card, can be beat
-
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Our Research Expert
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
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